Tap into the value of your home to pay for big expenses, from remodels to tuition, and everything in between.

Key Features

Competitive rates

Competitive Rates

Flexible Terms

Flexible Terms

Local Processing

Local Processing

  • Competitive rates for larger, one-time needs:
    • Education expenses
    • Major life events
    • Home remodel projects
    • Debt consolidation
    • And more
  • The existing equity in your home is used as collateral 
  • The interest paid may be tax deductible1
  • Line of credit (HELOC) also available
  • No prepayment penalty
  • Local decision-making and processing right here in the Bayou region
  • Attentive, friendly service from start to finish

Unlike a traditional home equity loan, once approved you can access your line of credit as much or as little as you want.

  • Competitive rates for a wide range of ongoing expenses:
    • Home improvements
    • Medical expenses
    • Renovation projects
    • And more
  • Direct, anytime access to funds without reapplying
  • Revolving credit – when you repay, your limit is replenished for future borrowing
  • Affordable payment plans
  • Accessible with special checks
  • Only pay interest on the part that's used
  • The interest paid may be tax deductible1
  • Local decision-making and processing right here in the Bayou region
  • Attentive, friendly service from start to finish
  1. Access the loan application (PDF) by clicking the Apply Now button. You can complete the form on your computer by typing in the spaces provided or by printing the application and completing the information clearly with blue or black ink. In both cases, please review your application thoroughly. Finally, sign and date your application.
  2. Bring your application into any branch. If you are applying with another person, please make certain that they also sign and date the application. For your security, please do not scan and email your application.

1Consult a tax advisor.