Couple discussing room remodel
Home Improvement Loans

Make the upgrades you’ve always wanted

Bring your vision to life


Use a home improvement loan to finance a variety of projects. Here’s a few to spur your thinking.

  • family in pool

    Build a Pool

    West Texas summers aren’t getting any cooler. Chill out in your own backyard.

  • senior couple enjoying remodel

    Kitchen Remodel

    Cooking for your family is so much easier in a well-designed kitchen.

  • father with newborn

    Add a Nursery

    New family members are a blessing. Give them some space of their own.

Compare home improvement and home equity loans


Borrow the funds you need at a fixed rate as low as 6.75%.

Use the cash to make any permanent improvement at your primary residence. Loan terms of up to 20 years are available. Interest is tax deductible in many cases.

  • Best for members who:

    Best for members who:

  • Loan proceeds can be used for:

    Loan proceeds can be used for:

  • Can closing costs be rolled in?

    Can closing costs be rolled in?

  • Loan funds are distributed to:

    Loan funds are distributed to:

  • Interest rate

    Interest rate

  • Appraisal needed?

    Appraisal needed?

Home Improvement

  • Best for members who:

    Are in the early years of home ownership

  • Loan proceeds can be used for:

    Home improvement only

  • Can closing costs be rolled in?

    No

  • Loan funds are distributed to:

    Licensed contractor only

  • Interest rate

    Higher than home equity loan

  • Appraisal needed?

    Dependent upon situation1

Home Equity

  • Best for members who:

    Have built a large amount of home equity

  • Loan proceeds can be used for:

    Anything you choose (legal of course!)

  • Can closing costs be rolled in?

    Yes

  • Loan funds are distributed to:

    The borrower

  • Interest rate

    Lower than home improvement loan

  • Appraisal needed?

    Dependent upon situation1

See today’s rates

Home Improvement Loans

Loan Type

Loan Term

APR as Low As

Loan rates are subject to change without notice.

Loan Type

1st Lien, $20,000 & up

Loan Term

10, 15 or 20 years

APR as Low As

6.75%

Loan Type

2nd Lien, $20,000 & up

Loan Term

10, 15 or 20 years

APR as Low As

8.75%

Home Equity Loans

Loan Type

Loan Term

APR as Low As

Loan rates are subject to change without notice.

Loan Type

1st Lien, $20,000 & up

Loan Term

10, 15 or 20 years

APR as Low As

6.50%

Loan Type

2nd Lien, $20,000 & up

Loan Term

10, 15 or 20 years

APR as Low As

7.75%

You'll be needing a calculator. Or two.

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Contact us to learn more about Home Improvement Loans

Visit in person

The home loan staff works at our Antilley Road branch. To avoid delays, please call ahead to make an appointment.

Text Us

Disclosures

1 An appraisal is required for a loan amount of $100,000 or greater
APR = Annual Percentage Rate
There is a $200 processing fee for home improvement loans.