Meet Your Home’s Hidden Potential with a Wellby HELOC

Take advantage of our promotional rate as low as 6.99% APR* for the first 12 months

Use Your Home Equity Line of Credit

At Wellby, we know that homeownership is an exciting journey of making your house home. As a proud homeowner, you’re dreaming of a kitchen upgrade, a pool to beat the Texas heat – even in September – or you may just need funds for unforeseen expenses. But how do you access reliable funds without the hefty price tag?

Wellby Financial is proud to be your financial compass. We believe in unlocking dreams, and with a Home Equity Line of Credit (HELOC), we can make it happen together.

Wellby HELOC is a revolving line of credit, secured by the equity of your home. HELOC offers lower interest rates than credit cards or personal loans and gives you the funds for planned or expected expenses, whenever you need them.

  • Affordability: Rates lower than most credit cards and loans.
  • Convenience: Draw funds whenever you need, hassle-free.
  • Reliability: Partner with a credit union that truly gets you.
  • Flexibility: Interest-only option is available.

Here's how to unlock your home’s full potential:

  1. Apply Online – A few clicks and you’re on your way.
  2. Personal Touch – Our experts carve out the perfect solution for you.
  3. Tap Into Funds – Whenever life throws a curveball or presents an opportunity.

Imagine sitting in your newly renovated living room or comfortably managing unexpected bills, knowing you've tapped into smart financing. Dive in, apply online, and make the most of your home's value.

You deserve more than just a home – you deserve the dream it holds.


*APR = Annual Percentage Rate. The current APR is as low as 8.25% as of 3/4/2024. 6.99% APR is a Fixed Introductory Rate for the first twelve months of the loan. The 12-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”) 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 CLTV, property value, property location, line amount, and other factors. The term of a HELOC is 30 years: 10-year draw period, 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, 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.

A Primary Savings account is required for new members, which includes the membership share and has a minimum balance of $5 to open the account. Certain restrictions may apply.

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 does not apply. The minimum advance is $4,000, 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.

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.