Sign up for Home Branch

Signing up for Home Branch is easy - just input the following:

If this process is unsuccessful, please call 325-677-2274 (or toll free 1-800-677-6770) during the hours of 9 am - 6 pm (Central Time) Monday through Friday. One of our representatives will gladly assist you with a password reset.

If you'd prefer to drop in, a Member Services representative at any of our locations can also reset your password.


Lending Services

Lending Services

Loan Payment Protection

Guaranteed Asset Protection (GAP) for Your Vehicle Purchase

You could lose more than your vehicle if it is stolen or involved in a major accident. Because most insurance policies only cover the value of your vehicle - something that rapidly declines during the first few years of ownership - your loan balance can be higher than the value of your vehicle. This situation is commonly called being "upside down" on a loan.

GAP covers the difference between your primary insurance carrier's Actual Cash Value determination and the payoff amount of your loan. Delinquent payments, late charges, refundable service warranty contracts, other insurance-related products, and interest charged after the date of loss will be deducted from the settlement. Here's an example of how GAP works:

Original Purchase Price..............$20,000
Loan Balance After One Year......$18,000
Insurance Settlement..................$15,000
Remaining Balance.....................$ 3,000 (GAP pays)

For just pennies a day, GAP provides peace of mind, convenience, confidence and significant savings. Enrollment is simple. Contact your loan officer for details.

Credit Life and Disability Insurance

Unexpected disability, serious illness or death can seriously affect a household's income and change their standard of living in an instant, making household financial commitments difficult to meet. Struggling to make loan payments on a reduced or lost income is a heavy burden which can be avoided by purchasing credit life and disability insurance.

In the event that the loan signer or co-signer* should pass away or be diagnosed with a terminal illness (life expectancy of 1 year or less) and the claim is payable, the entire loan balance is reduced or paid off. Should the loan signer become disabled due to injury or illness, monthly loan payments will be paid until the disability is ended, the loan is paid or the policy maximum is reached.

Check with your loan officer for more details on credit life and credit disability insurance, including exclusions, limitations, and maximum benefits.

*Credit life benefits are paid upon the death or diagnosis of a co-signer if the co-signer is a spouse or business partner.

FDIC Equal Housing Lender
P.0. Box 5706, Abilene, Texas  79608