Home Equity Loans in Katy, TX

Looking for the best home equity rates in Katy, TX? Compare top local lenders offering competitive rates and flexible options to help you tap into your home's value with confidence. Whether it’s for remodeling or consolidating debt, now’s a great time to explore your choices.

Our trusted Katy community lenders provide fast funding and clear guidance tailored to your financial goals. Start comparing today and find a home equity loan or line of credit that fits your needs with ease and peace of mind.

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 Katy, TX

Lender Name	Branch Address	Timings & Contact	General Services Offered	Office Services	Lender Snapshot
JSC FEDERAL CREDIT UNION	6711 S FRY RD KATY TX 77494	⏰ 6-Sep 📞 2814887070 📠 2812830722	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 ATM Access (Withdrawals, Balance Checks)	ATM P2P E-Statements E-Signature	Assets: $2,658,205,471 Deposits: $145,471,298 Net Worth: $317,877,414 Employees: 445 Members: 130,320
ADVANCIAL FEDERAL CREDIT UNION	23525 KATY FWY KATY TX 77494	⏰ Mon-Fri: 9:00 a.m.-6:00 p.m.Sat: 9:00 a.m.-1:00 p.m.Sun: Closed 📞 2817690179 📠 2148809501	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)	Drive-Thru P2P E-Statements E-Signature	Assets: $2,379,033,747 Deposits: $185,405,145 Net Worth: $181,071,309 Employees: 304.0 Members: 133,915
NAVY FEDERAL CREDIT UNION FEDERAL CREDIT UNION	24655 KATY FWY KATY TX 77494	⏰ Lobby: M - F: 0900 - 1730Sat: 0900 - 1400 📞 8888426328	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 ATM Access (Withdrawals, Balance Checks)	ATM P2P E-Statements E-Signature	Assets: $180,806,000,000 Deposits: $2,321,600,484 Net Worth: $21,492,783,754 Employees: 24560 Members: 14,045,179
GULF COAST EDUCATORS FEDERAL CREDIT UNION	27252 KATY FWY KATY TX 77494	⏰ Lobby Hours: Monday-Friday: 8:00 am ? 5:00 pm, Saturday/Sunday: Closed Drive-Thru/ITM Hours: Monday-Friday: 7:00 am ? 7:00 pm, Saturday: 9:00 am ? 12:00 pm, Sunday: Closed 📞 2814879333 📠 2819985891	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 ATM Access (Withdrawals, Balance Checks)	ATM P2P E-Statements E-Signature	Assets: $1,280,109,508 Deposits: $51,815,491 Net Worth: $186,552,220 Employees: 177 Members: 59,676
TEXAS DOW EMPLOYEES CREDIT UNION	24250 CINCO RANCH BLVD KATY TX 77494	⏰ Monday ? Friday 9:00 am ? 5:00 pm Saturday 10:00 am ? 12:00 pm 📞 8008391154 📠 9792991462	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)	Drive-Thru P2P E-Statements E-Signature	Assets: $4,835,296,940 Deposits: $465,436,271 Net Worth: $481,391,425 Employees: 878 Members: 379,058
BRAZOS VALLEY SCHOOLS CREDIT UNION	25525 KATY MILLS PKWY KATY TX 77494	⏰ Mon - Fri 8:00 - 5:00 📞 2813912149 📠 2813918158	ATM Services Only	E-Statements E-Signature	Assets: $958,317,339 Deposits: $129,902,610 Net Worth: $94,444,152 Employees: 182 Members: 63,634
BRAZOS VALLEY SCHOOLS CREDIT UNION	25425 KINGSLAND BLVD KATY TX 77494	⏰ Mon - Thur Lobby 9:00-5:00, Fri Lobby 9:00-5:30:Mon - Fri Drive-Thru 8:00-5:30, Sat Drive-Thru 8:30-12:30 📞 2813912149 📠 2813918158	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 E-Statements E-Signature	Assets: $958,317,339 Deposits: $129,902,610 Net Worth: $94,444,152 Employees: 182 Members: 63,634
FIRST COMMUNITY CREDIT UNION	25675 NELSON WAY KATY TX 77494	⏰ Lobby Hours: M-Th: 9:00 am - 7:00 pm Fri: 9:00 am - 7:00 pm Sat: 9:00 am - 5:00 pm Sun: Closed Teller Hours: M-Th: 7:30 am - 7:00 pm Fri: 7:30 am - 7:00 pm Sat: 9:00 am - 5:00 pm Sun: Closed 📞 2818565300 📠 2818566421	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 Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members) Basic ATM Access (Withdrawals, Balance Checks)	ATM P2P E-Statements E-Signature	Assets: $2,421,246,359 Deposits: $32,370,341 Net Worth: $217,335,266 Employees: 419 Members: 165,959
FIRST COMMUNITY CREDIT UNION	23120 CINCO RANCH BLVD KATY TX 77494	⏰ Lobby Hours: M-Th: 9:00 am - 5:00 pm Fri: 9:00 am - 6:00 pm Sat: 9:00 am- 3:00 pm Sun: Closed Drive Thru Hours: M-Th: 7:30 am - 7:00 pm Fri: 7:30 am - 7:00 pm Sat: 9:00 am - 5:00 pm Sun: Closed 📞 2818565300 📠 2818566421	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: $2,421,246,359 Deposits: $32,370,341 Net Worth: $217,335,266 Employees: 419 Members: 165,959
TEXAS BAY CREDIT UNION	4747 FM 1463 RD STE 1000 KATY TX 77494	⏰ Lobby and Drive Thru: Monday through Friday, 9:00 a.m. until 5:00 p.m. Drive-Thru/Virtual Teller Hours Sat: 9am - 12pm 📞 7138526700 📠 2814649230	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: $841,526,290 Deposits: $91,165,726 Net Worth: $66,849,578 Employees: 182 Members: 57,572
MEMBERS CHOICE CREDIT UNION	401 W GRAND PKWY S KATY TX 77494	⏰ Monday ? Friday: 9 am ? 6 pm Saturday: 9 am ? 1 pm 📞 2817541399 📠 2813989898	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: $780,724,628 Deposits: $52,488,221 Net Worth: $59,571,684 Employees: 113 Members: 47,204
MEMBERS CHOICE CREDIT UNION	8951 S FRY RD KATY TX 77494	⏰ Monday ? Thursday: 9 am ? 5 pm Monday ? Friday: 9 am ? 6 pm Saturday: 9 am ? 1 pm 📞 2817541460 📠 2813989898	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: $780,724,628 Deposits: $52,488,221 Net Worth: $59,571,684 Employees: 113 Members: 47,204
SMART FINANCIAL CREDIT UNION	6727 FM 1463 RD STE 100 KATY TX 77494	⏰ Lobby: M,T,Th,F - 9am - 5pmW - 9am - 2pmS - 9am - 2pm 📞 7138501600	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 ATM Access (Withdrawals, Balance Checks)	ATM P2P E-Statements E-Signature	Assets: $843,650,307 Deposits: $101,339,425 Net Worth: $85,780,391 Employees: 197 Members: 60,548
FIRST SERVICE CREDIT UNION	23665 KATY FREEWAY KATY TX 77494	⏰ Mon-Fri: 9am-5pm Sat: 9am-1pm Drive-thru: Mon-Fri 9am-5pm Sat 9am-1pm 📞 7136765263	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: $1,357,838,759 Deposits: $62,516,034 Net Worth: $155,298,256 Employees: 278 Members: 99,478

🏘️ All the Lenders Available in Fort Bend County, TX

✅FIRST COMMUNITY 66818 CREDIT UNION

✅TEXAS BAY CREDIT UNION

✅HOUSTON FEDERAL CREDIT UNION

✅JSC FEDERAL CREDIT UNION

✅PRIMEWAY FEDERAL CREDIT UNION

✅TEXAS DOW EMPLOYEES CREDIT UNION

✅BRAZOS VALLEY SCHOOLS CREDIT UNION

✅MEMBERSOURCE CREDIT UNION

✅FIRST SERVICE 68605 CREDIT UNION

✅NIZARI PROGRESSIVE FEDERAL CREDIT UNION

✅PIONEER MUTUAL FEDERAL CREDIT UNION

✅NAVY FEDERAL CREDIT UNION FEDERAL CREDIT UNION

✅SCHLUMBERGER EMPLOYEES CREDIT UNION

✅SMART FINANCIAL CREDIT UNION

✅ADVANCIAL FEDERAL CREDIT UNION

✅GULF COAST EDUCATORS FEDERAL CREDIT UNION

✅MEMBERS CHOICE 67508 CREDIT UNION

Customers are also interested in:

Home Equity Rates Today