With a Shell Geismar’s “Fixed 5 Plan” Home Equity Loan, you can take care of all of your financial needs:

•Consolidate your debts
•Make home improvements
•Purchase your dream car
•Pay for tuition
•Enjoy a well-deserved vacation.

Use your Home Equity Loan to purchase anything you need! With a Shell Geismar Home Equity Loan, you are in control of your financial future.

Our “Fixed 5 Plan” Home Equity Loan is a loan secured by the equity in your home that provides you with a one-time lump sum cash amount that you repay it as you would any other installment loan in fixed monthly payments.

Home Equity Closed Ended Adjustable Rate
Credit Score 700 & Up 650-699 600-649 550-599 549 or less
4.00% 5.49% 5.99% 6.99% 6.99%
Don’t worry about your budget because you have only one low fixed payment per month to cover all of your credit needs.
You can borrow up to 80% of the equity in your home (Appraised Value less 1st Mortgage).
Enjoy knowing your payment will remain the same for the life of the loan. Your interest rate is fixed every 5 years. Increases and decreases in the interest rate will result in a larger or smaller amount due at maturity.
Flexible terms that meets your needs. 5…10…up to 15 year terms.
Save money and time by having your payment automatically deducted from your SGFCU checking… AND receive a .25% Rate Discount, excluding specials!
Save money on taxes. Your interest may be tax deductible. Consult a tax advisor about the deductibility of interest.
Apply Now!