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.

Easy
Don’t worry about your budget because you have only one low fixed payment per month to cover all of your credit needs.
Flexible
You can borrow up to 80% of the equity in your home (Appraised Value less 1st Mortgage).
Certainty
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.
Terms
Flexible terms that meets your needs. 5…10…up to 15 year terms.
Convenient
Save money and time by having your payment automatically deducted from your SGFCU checking… AND receive a .25% Rate Discount, excluding specials!
Tax Savings Potential
Save money on taxes. Your interest may be tax deductible. Consult a tax advisor about the deductibility of interest.
Apply Now!