1 Consult a tax advisor regarding the deductibility of interest.
2 5-year draw period followed by a 3- to 15-year repayment period in accordance with lending and state of Texas guidelines.
Houston Police Credit Union is an Equal Housing Lender.
Texas Home Equity Loan Disclosure: The principal loan amount at the time the loan is made must not exceed an amount that, when added to the principal balances of all other enforceable liens against your home, is more than 80% of the fair market value of your home. Texas residents may only have one home equity loan or HELOC in a 12-month period
APR = Annual Percentage Rate. All loans subject to credit approval. Variable APR personal, line of credit, savings secured and Share Certificate secured loans are subject to change based upon changes in the following index: the average of the next three (3) auction average rates quoted on a bank discount basis for 26 week treasury bills issued by the United States Government, as published by the Federal Reserve Board for the week in which the rate is contracted for, beginning 60 days prior to the date of change. Upon a minimum 45-day advance notice, adjustable APR credit cards are subject to change based on market conditions. Variable APR HELOC loans are subject to change with the market based on the Prime Rate. Certain credit criteria, terms and restrictions apply. Rates are based on a combination of credit score, the eligible term selected, collateral and other lending criteria. Credit score will be established by TransUnion FICO 9. Rates, terms and conditions are subject to change without notice. For more information, please contact Houston Police Credit Union at 713.986.0200 or 800.927.8707.
Houston Police Credit Union will cover eligible closing costs up to $2,500 on new qualifying traditional Home Equity Loans. Offer does not apply to Home Equity Lines of Credit (HELOCs). Closing costs exceeding $2,500 are the responsibility of the borrower. Eligible closing costs and loan qualification are subject to HPCU guidelines, credit approval, property eligibility, and applicable loan terms and conditions. This promotion is valid September 1, 2026 - November 30, 2026. Houston Police Credit Union employees, Board members, volunteers, their immediate families, and those in the same household are eligible for this promotion. Additional restrictions may apply. Minimum $5 Savings account must be established for membership. Membership is open to law enforcement officers, civilian employees and their family members within the Houston Metropolitan Statistical Area.
Find out more about our home equity loans or how to become a member!
We enjoy helping our members achieve financial success. As a member of Houston Police Credit Union, we provide you with the tools to stay current on things happening at the credit union, read important notices impacting the financial industry, and learn ways to protect yourself.
