Standard variable APR after the introductory duration.

7.74 % APR
apartments.com
Fixed Rate Advance

* See important information about rates, charges and other expenses

Special Introductory Rate Offer

Obtain a brand-new home equity credit line (HELOC) and get a fixed rate as low as 5.99% APR3 for six months when you apply by October 15, 2025.1 After the initial duration, your rates will range from 7.74% to 10.59% variable APR based upon your credit.2 This offer is limited to owner inhabited residential or commercial properties.

Features & Benefits

HELOC permits you to access cash by obtaining versus your home's equity. HELOCs are excellent for home enhancement projects, financial obligation combinations, and paying ongoing expenditures gradually. BECU's HELOCs use:

- Low-interest-only payments during 10-year draw period - Option to secure your rate on approximately 3 loan amounts3

• Loans as much as $500,000.
• No appraisal costs, title insurance coverage costs, document mailing fees, escrow charges.
• No origination charges, annual cost or application cost.
• Access to funds when you require them
  
  Fixed Interest-Rate Advance3
  
  You can get any amount up to your HELOC optimum at any time, however, there are benefits of locking in the rate on bigger amounts.
  
  Here's how it works:
  
  - Select any amount of $5,000 or greater (up to the total of your loan quantity).
• You can have up to three various fixed-rate loans at one time.
• You select the term of the loan up to 15 years.
• Make payments towards both primary and interest.4
  
  Lock in your rate in Online Banking or stop by a BECU area.
  
  Contact BECU
  
  Questions? Drop by an area, or schedule a time to talk with a BECU member expert or give us a call at 844-BECULOAN (844-232-8562).
  
  How do I access funds?
  
  Transfer can be made in Electronic banking, by phone or at an NFC.
  
  What's a HELOC variable rate?
  
  BECU's HELOC rate of interest are based on the Wall Street Journal prime rate since the last day of the previous month plus a margin. The variable rate goes through change with the modification in prime rate.
  
  Can I alter the rate from a variable to a repaired?
  
  You have the choice to lock in a fixed rate (minimum $5000) on all or any part of your variable rate balances at any time.
  
  - Any part of the balances not converted to a fixed rate option will continue to have a variable rate and minimum payment in addition to the repaired rate payment.
• You can have up to 3 fixed rate alternatives in place at any time.
• Locking in a fixed rate can be carried out in online banking, by phone or at an in one of our places.
  
  Is a HELOC interest tax-deductible? ⁵
  
  The interest may be tax-deductible