Standard variable APR after the introductory period.
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7.74 % APR

Fixed Rate Advance

* See crucial details about rates, costs and other costs

Special Introductory Rate Offer

Look for a new home equity line of credit (HELOC) and get a set rate as low as 5.99% APR3 for six months when you apply by October 15, 2025.1 After the introductory period, your rates will range from 7.74% to 10.59% variable APR based upon your credit.2 This deal is limited to owner occupied residential or commercial properties.

Features & Benefits

HELOC permits you to access money by obtaining versus your home's equity. HELOCs are great for home improvement jobs, financial obligation combinations, and paying continuous expenses in time. BECU's HELOCs provide:

- Low-interest-only payments during 10-year draw period

• Option to lock in your rate on as much as three loan amounts3 - Loans approximately $500,000.
• No appraisal expenses, title insurance costs, file mailing fees, escrow costs.
• No origination fees, annual cost or application cost.
• Access to funds when you need them
  
  Fixed Interest-Rate Advance3
  
  You can take out any summarize to your HELOC optimum at any time, however, there are benefits of securing the rate on larger amounts.
  
  Here's how it works:
  
  - Select any amount of $5,000 or higher (up to the total of your loan amount).
• You can have up to three various fixed-rate loans at one time.
• You choose the regard to the loan as much as 15 years.
• Pay toward both principal and interest.4
  
  Lock in your rate in Online Banking or drop by a BECU location.
  
  Contact BECU
  
  Questions? Visit an area, or schedule a time to speak to a BECU member specialist or provide us a call at 844-BECULOAN (844-232-8562).
  
  How do I gain access to funds?
  
  Transfer can be made in Electronic banking, by phone or at an NFC.
  
  What's a HELOC variable rate?
  
  BECU's HELOC rates of interest are based on the Wall Street Journal prime rate as of the last day of the prior month plus a margin. The variable rate is subject to change with the modification in prime rate.
  
  Can I change the rate from a variable to a fixed?
  
  You have the alternative to secure 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 set rate choice will continue to have a variable rate and minimum payment in addition to the fixed rate payment.
• You can have up to 3 set rate options in place at any time.
• Locking in a set rate can be performed in electronic banking, by phone or at an in among our locations.
  
  Is a HELOC interest tax-deductible? ⁵
  
  The interest might be tax-deductible