Waco TX Home Equity Interest Rates Boosting Your Remodel Plans

Home Equity Loans in Waco, TX

Looking to tap into your Waco home’s equity? Compare local lenders offering competitive rates and flexible terms designed to fit your unique needs. Whether you’re planning a remodel or consolidating debt, finding the right home equity loan starts here.

Waco homeowners trust lenders who understand our community and move quickly to fund your goals. Explore options from trusted local credit unions and banks, and get expert support that makes borrowing simple and stress-free.

Today’s Home Equity Loan Rates & Analysis - Updated on 2025-OCT-11

Credit Union Loan Rates - Trends & Analysis:

Affinity has a HELOC with an APR range of 4.9% to 7.13% today. This rate is the same as it was 7 days ago and lower than the range from 30 days ago, which was 4.9% to 7.38% . Jsc has a HELOC with an APR range of 4.99% to 7.25% , unchanged from 30 days ago. Their Home Equity loan has a fixed APR of 6.99% , also unchanged from 30 days ago. Both rates have stayed steady over the past month. Randolph–Brooks has a Home Equity rate range of 5.12% to 7% today, which is up from 6.75% at the high end seven days ago but the same as 30 days ago. The rate was higher 60 and 90 days ago. Their HELOC rate is 6.75% today, down from 7% thirty days ago.

Austin Telco has a Home Equity rate range of 5.14% to 6.74% today. This is the same as 7 days ago but lower than the range from 30 days ago, which was 5.39% to 6.99% . Consumers has a HELOC with an APR range of 5.24% to 10.25% today. This rate is the same as it was 7 days ago but lower than 30 days ago, when the range was 5.49% to 10.5% . East Texas Professional has a Home Equity loan with an APR range of 5.25% to 7% today. This rate is the same as it was 7 and 30 days ago. The APR has stayed steady over the past month.

Affinity Plus has a Home Equity loan with an APR range of 5.49% to 6.24% today. This rate is the same as it was 7 and 30 days ago. The top end of the range was higher 60 and 90 days ago, reaching up to 8.24% . A+ has a Home Equity rate range of 5.62% to 6.62% today, unchanged from 7 and 30 days ago but lower than 60 and 90 days ago. The HELOC rate is 6.74% today, down from 6.99% thirty, sixty, and ninety days ago. First Community has a Home Equity rate range of 5.74% to 8.24% today, unchanged from 7 and 30 days ago but lower than 30 days ago. Their HELOC rates are between 10% and 18% , unchanged from 7 and 30 days ago and down from 30 days ago. The Other program shows rates from 6.24% to 8.49% , steady over the past week and lower than a month ago.

Texans has a Home Equity loan with an APR range of 5.79% to 6.66% today. This rate is the same as it was 7 and 30 days ago. There is no change in the APR over the past month. Together has a HELOC rate of 5.99% today, unchanged from it was 7, 30, and 60 days ago. Their Home Equity loan rate is 7.12% today, unchanged from 7 and 30 days ago but lower than 60 days ago when it was 7.38% . Texas Dow Employees has a Home Equity APR range of 6% to 7.88% today. This is lower than 7 days ago when rates were 7.5% to 7.88% , and also down from 30 days ago at 7.63% to 7.75% . Compared to 60 and 90 days ago, today’s rates are lower than both those periods as well.

Advancial has a Home Equity rate range of 6.13% to 7.55% today. This is lower than both 7 and 30 days ago, when the rates were 6.51% to 7.81% . The rates have dropped since last month. Chartway has a Home Equity rate of 6.49% today, unchanged from it was 7, 30, 60, and 90 days ago. Their HELOC rate is 7.75% now, unchanged from 7 and 30 days ago but lower than the 8% rate seen 30, 60, and 90 days ago.

🏦 All Local Lenders in Waco, TX

Lender Name	Branch Address	Timings & Contact	General Services Offered	Office Services	Lender Snapshot
ACADIANA MEDICAL FEDERAL CREDIT UNION	5213 LAKE SHORE DR WACO TX 76710	⏰ 24 Hours / 7 Days a week 📞 2547726301 📠 3372894744	ATM Services Only Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members)	P2P E-Statements	Assets: $14,405,285 Deposits: $846,207 Net Worth: $3,041,337 Employees: 4 Members: 1,493
MEMBERS CHOICE OF CENTRAL TEXAS FEDERAL CREDIT UNION	4631 W WACO DR WACO TX 76710	⏰ Lobby: Mon-Thur 9:00am-5:00pm; Fri 9:00am-6:00pm; Sat 9:00am-12:00pm Drive Thru: Mon-Fri 7:30am-6:00pm; Sat 9:00am-12:00pm 📞 2547767070	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $207,093,709 Deposits: $13,261,906 Net Worth: $32,249,737 Employees: 51 Members: 19,341
SOUTHERN TEACHERS & PARENTS FEDERAL CREDIT UNION	5213 LAKE SHORE DR WACO TX 76710	⏰ 8:00AM - 4:30PM 📞 8887786301 📠 2257758614	ATM Services Only	P2P E-Statements E-Signature	Assets: $29,152,445 Deposits: $3,122,886 Net Worth: $2,335,209 Employees: 12 Members: 4,311
WACO FEDERAL CREDIT UNION	5213 LAKE SHORE DR WACO TX 76710	⏰ 8:00am to 5:00pm 📞 8002457504 📠 2547530371	ATM Services Only	P2P E-Statements E-Signature	Assets: $18,617,958 Deposits: $1,124,498 Net Worth: $1,706,498 Employees: 9 Members: 1,960
EDUCATORS CREDIT UNION	501 W STATE HIGHWAY 6 WACO TX 76710	⏰ 7:30 TO 6:00 M - F 9:00 TO 12:00 SAT 📞 2547767900 📠 2547515876	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $545,894,678 Deposits: $81,867,679 Net Worth: $102,377,994 Employees: 50 Members: 27,838
FIRST CENTRAL CREDIT UNION	6201 SANGER AVE WACO TX 76710	⏰ Drivethru 7:30am-6pm M-F, 9am-1pm Sat. 📞 2547769333 📠 2547412212	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $168,681,567 Deposits: $12,723,279 Net Worth: $26,118,117 Employees: 72 Members: 19,844
GENCO FEDERAL CREDIT UNION	731 N VALLEY MILLS DR WACO TX 76710	⏰ 9-5 Monday-Thursday 9-6 Friday 9-1 Saturday 📞 2547769550 📠 2547764633	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $444,066,893 Deposits: $55,963,796 Net Worth: $56,824,780 Employees: 99 Members: 39,428

Home Equity Loans in Waco, TX

Today’s Home Equity Loan Rates & Analysis - Updated on 2025-OCT-11

Credit Union Loan Rates - Trends & Analysis:

🏦 All Local Lenders in Waco, TX

🏘️ All the Lenders Available in McLennan County, TX

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