Protect Your Account!

DO NOT share personal information with unsolicited callers or texters claiming to be with Shell FCU. We will NEVER ask for your Digital Banking User ID or Password. If YOU initiate contact with us we may send you a one-time authentication code. If uncertain, hang up and call Shell FCU at (713) 844-1100. Thank you for the opportunity to serve you!

Home Equity Loans

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...

  • Debt consolidation
  • Home improvements
  • Vacation
  • Wedding
  • Education
  • Emergencies
  • Or for almost any reason you need extra cash

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

Apply Now

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 Home Equity Packet of information, which includes:

  • Home Equity worksheet to help you determine the equity in your home
  • Member checklist of items you’ll need when applying for a Home Equity loan and other pertinent information about service providers and lending disclosures
  • Written list of providers

As always, feel free to contact a loan officer if you have questions.


*APR denotes Annual Percentage Rate. Financing not to exceed 80% Loan to Value less any existing liens or 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.