Home Equity Line of Credit

Home Equity Line of Credit (HELOC)

A Home Equity Line of Credit (HELOC) offers flexible, revolving access to your home’s equity, so you can borrow what you need, when you need it, and only pay interest on what you use. Firstmark’s HELOC has no annual fees and no inactivity fees.

Home Equity Line of Credit Gives You Flexibility!

Plan for the unexpected using your home’s equity. HELOCs provide you with a Line of Credit to use for:

Renovating your home
Taking a family vacation
Consolidating high-interest debt
Rates as low as 6.625%APR¹

To apply, give us a call at (210) 442-0199 or visit us at your nearest financial center.

Apply for a HELOC

Learn about Home Equity Loans

Limited Time Offer! Save .50% in closing costs on your HELOC². This amounts to:

$50,000 HELOC would save $250
$100,000 HELOC would save $500
$200,000 HELOC would save $1,000

Understanding HELOCs: How They Work and Common Uses

How a HELOC Works

Revolving line of credit secured by your home
10-year draw period with interest-only payment options
Borrow, repay, and borrow again—without reapplying
Variable rate based on Prime Rate
Option to refinance into a fixed-rate home equity loan later

Common Uses

Consolidating high-interest debt
Financing higher education dreams
Dream vacations or an emergency fund
Good fit if you want flexibility for future needs, ongoing projects, or unexpected expenses

Learn more, read our blog – What Is a HELOC? How Can Homeowners Use One?

Calculate Your Payment

Use this calculator to compute the payment amount³ by adjusting the amount, rate, and terms.

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APR is Annual Percentage Rate. Variable APR based on Prime Rate. Rates and terms are accurate as of 03/24/2026 and are subject to change. Variable APR ranges from 6.625% to 9.875% depending on credit profile and loan to value. APR shown above is based on 1st lien position. Maximum APR is 18%. The minimum credit line is $25,000, and a minimum initial advance of $4,000 is required at closing. Estimated closing costs of $799.00 for a $50,000 HELOC. The property securing the HELOC must be the borrower’s primary residence located in Texas. No Commercial Property or Manufactured Homes. Power of the Dollar® discounts do not apply to HELOCs.
Limited time Home Equity Line of Credit (HELOC) closing credit discount of .50% will be applied at closing as a lender credit. For example, a $50,000 HELOC with a .50% closing credit would save $250 at closing. Offer eligible for HELOC applications received beginning on 03/03/2026 and close within 60 days of application date. Subject to change or end at any time without notice. Other terms and conditions apply.
The information provided by these calculators is for illustrative purposes only. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results. The calculated results are intended for illustrative purposes only and accuracy is not guaranteed.

We Make The Loan Process Easy

Apply online, schedule an appointment at your nearest branch, or call (210) 442-0199. Our experts are here to help you during the home equity line of credit loan process!

Firstmark Credit Union
NMLS# 643550

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Home Equity Line of Credit