*No closing costs on loan amounts below title insurance and regulatory appraisal thresholds, unless an appraisal is requested. Offer valid for a limited time on qualifying Home Equity Loans of $20,000 or more new money. Rates, and first payment dates vary, are subject to change and are based on individual credit worthiness. Maximum Loan-to-Value is 80%. Payment Example A Home Equity Loan of $100,000 for 10 years at 5.75% (5.75% APR) will have a monthly payment of $1,097.89. Taxes and insurance are not included in this example, your actual payment may be higher. Contact credit union for complete details.

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Compare Home Equity Loan Rates as Low as:

Rates effective December 20, 2023

Term Rate APR*
5 Year 5.75% 5.75%
7 Year 5.75% 5.75%
10 Year 5.75% 5.75%
15 Year 6.00% 6.00%
20 Year 6.25% 6.25%
30 Year 6.50% 6.50%
  • Minimum Loan Amount is $20,000 New Money
  • Maximum Loan to Value 80% with Cash Out

*APR = Annual Percentage Rate. APR is calculated based on a loan amount of $100,000. Loan rates quoted are based on A+ credit rating. Actual rates will vary and are based on individual creditworthiness. Home equity rates valid on first lien home equity loans only. Please call to verify listed rates and fees.

See How A Home Equity Loan Can Benefit You.

Cash for any purpose

Choosing a Home Equity gives you the freedom to take out cash for whatever you need. Remodel your home, take a trip, pay off high-interest debt, celebrate a wedding, and more.

A Home Equity can help you accomplish your goals.

Lower Your Monthly Payments

Taking advantage of a Home Equity loan gives you the flexibility to lower your monthly payment in a variety of ways. Lower rates mean the interest portion of your monthly payment will be less—and you'll enjoy even bigger savings in the long run.

With a DuGood Home Equity, you'll also have the option to choose a term from 5-30 years. Longer terms mean smaller monthly payments.

Pay Off Your Mortgage Faster

If paying off your home quickly is your goal, getting a Home Equity is a great tool to accomplish this.

Choosing a shorter term will also help you pay down your loan balance faster, and you'll reap the benefits of big interest savings in the long run.


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Meet Our Mortgage Team

Blake Worthey

Blake Worthey

VP of Real Estate Lending
(409) 241-2261

Susan Benoit

Susan Benoit

Mortgage Lending Manager
(409) 726-2115

Sandra Flanigan

Sandra Flanigan

Senior Mortgage Lender
(409) 726-2104

Sandy Ferrell

Sandy Ferrell

Senior Mortgage Lender
(409) 726-2106

Holly Barlow

Holly Clark

Mortgage Servicing Supervisor
(409) 726-2113

Pauline Villarreal

Pauline Villarreal

Mortgage Lending Supervisor
(409) 726-2119

Derek Landry

Derek J. Landry

Chief Lending Officer
(409) 241-2296



It breaks down the process step by step. Inside you'll learn what a home equity loan is, how you can use a Home Equity loan to achieve your goals, how to calculate the equity you currently have, and more!

Home Equity Loan Guide