Your Home's Equity, Full of Possibility

*APR = Annual Percentage Rate. The current APR is as low as 7.25% as of 4/1/2025. 4.99% APR is a Fixed Introductory Rate for the first six months of the loan. The 6-month Introductory Period begins on the date of account opening. No member or other discounts are available during the Fixed-Rate Introductory Period. After the Introductory Period ends, any and all remaining balances will automatically convert to the variable APR per the terms of the HELOC agreement. The variable APR is based upon The Wall Street Journal Prime Rate (“Prime”) plus a margin or minus a discount and will vary with prime. Your APR will not exceed 15.00% or go below 3.00% at any time during the term of your account. APR may vary based on the initial draw, actual Combined Loan–to–Value (CLTV), property value, property location, line amount, and other factors. The term of a HELOC is 30 years: 10-year draw period [Draw Period: The draw period is the period when you can access and borrow money from your HELOC, up to your approved credit limit. During this period, you can borrow money, up to the credit limit, and pay interest on the amount you've borrowed], 20-year repayment period. The variable minimum monthly payment during the draw period will be 1.25% of the outstanding balance each month or $100.00, whichever is greater. The monthly required payment is based on your outstanding loan balance and current interest rate (interest rates can increase or decrease) and may vary each month.

Other terms, fees, and restrictions may apply. Qualifying rates may be based on a combination of your credit score, collateral, loan-to-value (LTV) position, and other normal lending criteria. Property insurance is always required, and flood insurance is required where necessary. Certain property types are not eligible collateral. You should consult your tax advisor regarding your possible tax implications. Rates are subject to change.

Additional Information for HELOCs in Texas subject to Section 50(a)(6) of the Texas Constitution: Early Closure Fee [Early Closure Fee: fee charged by a lender if you close your HELOC before a specific timeframe] does not apply. The minimum advance is $4,000.00, maximum CLTV is typically 80% and maximum LTV is typically 80%. Access to the HELOC account using an ATM card or other access cards is not allowed.

A Primary Savings account is required for new members, which includes the membership share and has a minimum balance of $5.00 to open the account. Certain restrictions may apply.

JSC Federal Credit Union does business as Wellby Financial ("Wellby Financial" or "Wellby"). By doing business with Wellby Financial, you acknowledge that you are doing business with JSC Federal Credit Union. This offer is subject to membership eligibility. You are eligible if you live, work, worship, attend school, or do business in the Greater Houston Metro or Galveston area. You can also join Wellby if you are an employee or member of one of the 2,000+ companies, organizations, churches, homeowners associations, or areas of community service in our field of membership or are an American Consumer Council member. You may also be eligible to join if you are an immediate family member or live in the same household as a current Wellby member.