Home Equity Line of Credit (HELOC)

Flexible funds for life’s major decisions

Fixed for one year.
2.99
%
*
APR
Prime for life, thereafter. Currently:
%
**
APR

APPLY NOW

WANT TO LEARN MORE?

Do you have questions about a Home Equity Line of Credit? Bethpage is here to help. We'll walk you through the process and let you know how much you qualify for.

Give Us a Call

1-855-330-6630

Visit Your Nearest Branch

Find a Location

  • A Home Equity Line of Credit from Bethpage gives you access to funds based on the equity of your home. The funds are available as a revolving line of credit, giving you the flexibility to use it when needed. So whether you want to use it to finance a large purchase or get started on your home remodeling project, the choice is yours!

    HOME EQUITY LINE OF CREDIT - EXAMPLE USES:

    • Home Remodeling Projects
    • Business Ventures
    • Bill Consolidation
    • Personal Use

    HOME EQUITY LINE OF CREDIT - KEY FEATURES:

    • Lines available up to $1,000,000
    • Great Rates - % fixed APR* (prime for life)
    • Revolving Line Of Credit – Use the funds you need, when you need it
    • Low closing costs
    • Tax-Deductible Interest - Consult your tax adviser to determine eligibility to receive a tax deduction
    • Flexible advance options - Simply write a check, transfer the funds immediately online or take an advance at a branch
    • Pay interest only on what you use.
    Apply Now »

    *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. Loan amounts over $500,000 may be available on a case-by-case basis to qualified applicants, are not eligible for the discounted introductory rate at any time, and the borrower(s) will be responsible for mortgage tax and title insurance costs on the loan value portion over $500,000. Closing costs for the first $500,000 will be paid by Bethpage, but must be repaid by the borrower(s) if line is closed within first 36 months. Maximum Loan-to-Value (LTV) is 70%. 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. The floor APR is 3.25%. HELOC is a variable rate product with a rate not to exceed maximum legal limit for Federal Credit Unions (currently 18%). Consult your tax advisor regarding deductibility of mortgage interest. 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%.