Why choose Long Island's #1 Home Equity Lender?
Whether you’re looking to add an extra bedroom, remodel the backyard, or pay for your child’s college expenses, Bethpage can help you get the most from your home’s equity.
A Home Equity Line of Credit works as a revolving line of credit, which means you’ll have the funds you need, when you need them, to help make those big changes in your life a success. Best of all, you only have to pay interest on what you actually use!
- No application fee
- No annual fee
- Low initial draw
- Lines up to $500,000
Ask about our lines up to $1,000,000***
Apply Online »
Call Us: 855-370-8010
Work with a Home Equity Specialist
We have a dedicated team of lending experts ready to help you through the process.
- Find out how much you qualify for
- Get your Home Equity questions answered
- We’ll work with you to complete your application
A Bethpage Home Equity Line of Credit Offers:
No Closing Costs
Save up to $7,500.
Payments are calculated based on the amount you borrow. "Interest-only" payments are optional.
Consult a tax professional regarding the potential tax deductibility of your interest payments and charges.
Find Out Why More Members are Choosing a Bethpage HELOC
*APR = Annual Percentage Rate. For one year, Prime for life, thereafter. Home Equity rates and terms accurate as of and are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. No closing costs on new HELOCs up to $500,000. Above estimated savings in closing costs are based on a $500,000 loan and actual savings may vary. Closing costs paid by Bethpage must be repaid by the borrower(s) if line is closed within first 36 months. The introductory rate is 3.99% APR for 12 months for loans with a maximum 75% Loan-to-Value (LTV), and members who take an initial draw of $25,000, maintain this balance for 12 months, and have automatic transfers from a Bethpage personal savings or checking account for the monthly payments on the HELOC account. The introductory rate only applies to loans that have not had an introductory rate within the past five years. The floor APR is 3.25%. The borrower will have an increased APR rate if the borrower does not (i) take an advance of $25,000 and maintain this balance for 12 months, or (ii) have automatic transfers from any Bethpage personal savings or checking account for the monthly HELOC payment. Published rates and terms based on primary homes. HELOC is a variable rate product with a rate not to exceed maximum legal limit for Federal Credit Unions (currently 18%). Consult a tax professional regarding the potential tax deductibility of your interest payments and charges. Home Equities not offered in TX. $5.00 minimum share account required. Membership conditions apply.
**Prime rate as of = % as published in the Wall Street Journal. The floor APR is 3.25%.
***Loan amounts over $500,000 may be available on a case-by-case basis to qualified applicants and are not eligible for the discounted introductory rate at any time and the borrower(s) will be responsible for all mortgage tax and title insurance costs on the loan value portion over $500,000. Home Equities not offered in TX. $5.00 minimum share account required. Membership conditions apply.
∞The 2018 HELOC Video Doorbell Promotion entry period begins on Saturday, April 7, 2018 at 12:00am ET and ends on Saturday, June 30, 2018 at 11:59pm ET. 100 Ring® video doorbells will be awarded to 100 winners, (approximate retail value for each Ring video doorbell is $150). Limit one (1) entry per household. No purchase or payment necessary to enter or win. A purchase will not increase your chance of winning. Void where prohibited by law or regulation. This Promotion is open to legal U.S. residents (excluding residents of Puerto Rico, U.S. Virgin Islands, Guam, and other U.S. territories). Participants must be 18 years of age or older at the time of entry. Federal, state and local taxes and expenses relating to the acceptance and use of the prize are the sole responsibility of each winner. 1099 Tax forms may be provided to the winners at the end of the tax year, when forms are available. For official promotion rules and how to enter, visit lovebethpage.com/rules.