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Please be advised that we are not currently lending to non-customers out of our geographic area. If you apply, we may automatically access your credit record. Some lenders deny credit due to excessive inquiries and submitting this in error may reflect poorly if you apply elsewhere in the near future.

For more information about Home Equity Loans and Home Improvement Loans, email us your contact information to or call us at 254-532-3000 or 800-477-9801 for more details.

We respect your right to information privacy. Check out our Privacy Policy.

Please fill out the following form and press the Accept button to have your application processed. If you intend to apply for a joint account or an account that you and another person will use, provide information about the joint applicant.

Warning, misrepresentation of your assets in a credit transaction could result in a violation of Federal Law. (Sec. 18 U.S.C. 1014)

Important information about procedures for opening a new account.

  • To help the government fight the funding of terrorism and money-laundering activities, Federal Law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

  • What this means to you: when you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Note: If you have applied for a loan in the last thirty (30) days, please do not submit a new application. Please contact us at or 800-477-9801 to check the status of your loan.