Due to severe weather and for the safety of our members and employees, all Shell FCU branches will open at 1PM on Monday, January 26. The Call Center and Digital Banking will remain available 24/7. Automatic payments and direct deposits will be processed as scheduled. Thank you for the opportunity to serve you, and please stay warm!
Call Center Available 24/7
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Use the equity in your home to borrow cash and use it as you wish! You may have equity in your home if your home value is greater than the amount you owe.
Home Equity Loans can help with...
Ask about our no closing cost option!
| Product Name | APR* | Available Terms |
|---|---|---|
| Home Equity: First Lien | Call (713) 844-1100 for current rates. | Up to 360 months |
| Home Equity: Second Lien | Call (713) 844-1100 for current rates. | Up to 240 months |
A Shell FCU Home Equity loan allows homeowners to borrow up to 80% of the appraised value of your home (less any outstanding lien). In most cases, the interest is tax-deductible.
We've put together a packet of helpful information, which includes:
To view the packet, please click below:
As always, feel free to contact a loan officer if you have questions.
*APR denotes Annual Percentage Rate. Rates and monthly payments are based on personal credit history and underwriting criteria. Financing not to exceed 80% Loan to Value less any existing liens or loans. Shell FCU does not offer manufactured home, condo, or construction loans. By law, Home Equity loans are only available on primary residences and only one Home Equity loan can be financed per 12 month period. Consult with your tax professional for tax-related advice. Shell FCU reserves the right to discontinue any promotion at any time for any reason without notice.
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