Home Equity Line of Credit (HELOC)

Flexible funds for life’s major decisions

Fixed for one year.
Prime for life, thereafter. Currently:




When you apply and close on a Bethpage HELOC by June 24, 2017, you’ll automatically be entered in a random drawing for a chance to win a Weber® Performer® Deluxe charcoal grill.


See full contest rules »


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.

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


    • 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.
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    *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. Closing costs paid by Bethpage must be repaid by the borrower(s) if line is closed within first 36 months. The introductory rate is 2.99% 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 any Bethpage account for the monthly payment on the 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%. HELOC is a variable rate product with a rate not to exceed maximum legal limit for Federal Credit Unions (currently 18%). If the borrower does not qualify for the introductory rate, an advance of $25,000 is required, maintain this balance for 12 months, and have automatic transfers from a Bethpage personal savings and checking account in order to avoid a rate adjustment to the non-introductory rate. Published rates and terms based on primary homes. 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%. HELOC is a variable rate product with a rate not to exceed maximum legal limit for Federal Credit Unions (currently 18%).

    † The 2017 HELOC Sweepstakes entry period begins on Monday, April 10, 2017 and ends on Saturday, June 24, 2017 at 2:00pm ET. Up to 50 Weber® Performer® Deluxe charcoal grills will be distributed. 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. 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.
    WEBER, the kettle configuration, the kettle silhouette, and PERFORMER are registered trademarks of Weber-Stephen Products LLC. 1415 S. Roselle Rd., Palatine, IL 60067 Used with permission. All rights reserved.