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Belco's Online Banking

Home Equity Line of Credit


myLOC Home Equity Loan from Belco gives you the flexibility to use your home’s valuable equity to achieve your goals. Use a myLOC Home Equity Loan like a traditional line of credit, and pay interest only on the portion you borrow with a variable interest rate. Or, lock in a segment of your line and make fixed, predictable monthly payments for a set term and at a set rate. It’s your choice.

  • The line is always available up to your approved credit limit
  • 10-year draw period and a 10-year repayment period (20 total years)
  • Advances can be made online through Money Manager, over the phone with Belle, or at any Belco branch
  • You only need to pay the accumulated interest each month
  • No prepayment penalty
  • Principal payments immediately free up your available balance for future projects
  • Credit limits available up to 90% of the appraised value of your home.        stock-photo-68807957-woman-installing-laminate-flooring
  • Interest rate:
    • Interest rate will be indexed to the Wall Street Journal Prime Rate (WSJP) and can vary quarterly
    • You have the option to “lock in” a portion of your balance with prevailing fixed rates (There is a $50 fee for each portion locked)
  • Available for owner-occupied primary residences located in Pennsylvania
  • No application fee
Equal Housing Opportunity Lender. We Do Business in Accordance With the Federal Fair Housing Law
and the Equal Credit Opportunity Act. NMLS#528042
If you would like a copy of Belco’s Home Mortgage Disclosure Act, please mail your request to us at: 449 Eisenhower Blvd., Harrisburg, PA 17110.
Refinance of an existing Belco loan requires a minimum of $5,000 in new money. All loans subject to credit approval.

Please be aware of fraudulent text messages targeting Belco members. We have received several reports of members receiving messages that appear to be from Belco. THESE MESSAGES ARE NOT FROM BELCO COMMUNITY CREDIT UNION. If you receive a message claiming to have a hold on your account, DO NOT click the on the link. Delete the message and block the number.