Open a new Home Equity Loan between September and December and you'll be automatically entered into our $5,000 monthly giveaway. One winner chosen every month. Don’t miss out!
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 to 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.
APR = Annual Percentage Rate. Membership with Houston Police Credit Union (HPCU) must be established and considered “in good standing”. All loans are subject to credit approval and HPCU lending policies. Other restrictions may apply. Financing at higher terms will be at a higher rate. Payment example: $60,000 at 5.50% APR for 5 years = $1,146.07. Payment example does not include amounts for taxes and insurance premiums, and if applicable, the actual payment obligation will be greater. Rates, terms, and conditions are subject to change at any time without notice. Texas homestead properties are limited to 80% of the loan to value, less the first mortgage owed. Property insurance is required, including flood insurance where applicable. The approval is subject to application, credit qualification, and income verification; additional evaluation and verification criteria may apply. Consult with a tax advisor regarding the deductibility of interest. Promotion period begins September 2, 2025 and ends December 31, 2025 at 11:59 PM CST. To be eligible, members must close on a new Home Equity loan with HPCU between September 2, 2025 and the loan must be closed no later than December 31, 2025 to qualify. A minimum loan amount of $50,000 must be financed to qualify for the promotion. Four (4) winners will be randomly selected to receive a $5,000 cash prize. Drawings will be held on the following dates: October 1, 2025; November 3, 2025; December 1, 2025; and January 2, 2026. Eligible members not selected in one drawing will remain eligible for all subsequent drawings during the promotion period. Winners will be notified by phone or email using the contact information on file. Prize is subject to tax reporting and may be reported on IRS Form 1099-MISC. HPCU membership required. No purchase necessary. To enter, mail us your name and contact information on a 3x5" index card to 1600 Memorial Dr., Houston, TX 77007. Odds of winning depend on the number of entries received. Houston Police Credit Union employees, Board members, volunteers, their immediate families, and those in the same household are not eligible for this promotion. Additional terms and conditions may apply. HPCU is an equal housing lender. NMLS ID 452646
Find out more about our home equity loans or how to become a member!
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