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Belco's Online Banking

Put your home’s equity to work.

Your home’s equity is a resource that can be used for many things, from debt consolidation and home improvements to emergency expenses and college tuition. With Belco Credit Union’s home equity options, you get flexibility and loan terms to fit your needs with a competitive interest rate.

Home Equity Loans

Home Equity Lines of Credit

A fixed rate loan that’s paid in one lump sum payment.

  • Terms up to 180-months
  • Loan amounts up to 100% of your home’s value
  • Low, fixed interest rate
  • Discounted rate for enrolling in automatic payments
A revolving line of credit that’s always available up to your pre-approved credit limit.

  • 10 year draw period and 10 year repayment period
  • 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.
  • No prepayment penalty
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Benefits of Belco’s Home Equity Options

No matter whether you’re planning to do home repairs, pay medical bills, or consolidate debt, Belco has the perfect home equity option to meet your needs. Our Home Equity Loans and Lines of Credit come with all the benefits you’d expect as a Belco member.


Competitive Interest Rates


Online Applications and Approvals


Flexible Repayment Options


No Application Fee


No Prepayment Penalty


Skip-A-Payment Options Available


A Long Track Record for Helping

★★★★★“After shopping around, we chose Belco as our mortgage provider. Not only did they have a great rate, but more importantly, we felt at home. Jim (James) Mahler took exceptional care of us during our home buying process. He was fast, accurate, passionate, caring, and flexible. It didn’t matter if we had a question during the evening or weekend, he was there for us. I wouldn’t recommend another place besides Belco for a family member or friend.”

-Thomas T.

Home Equity Resources

We’re here to help you reach your goals with outstanding financial products and educational resources. Here are some of our favorite home equity articles from our blog. You’re also welcome to reach out to one of our team members with questions. We’re always ready to assist you.

Ready to Put Your Equity to Work?

If you’re ready to take advantage of our flexible loan terms, competitive rates, and member benefits, then click on the link to reach our loan pages or apply now.

Apply Now
Home Equity Loans
Home Equity Lines of Credit

We’ve Got You Covered

Debt Protection Insurance

If a protected life event occurs and you are a protected borrower or co-borrower on the loan, Debt Shield* will cancel or reduce repayment of your loan debt. This can help to lessen the worries about paying loans during a time of lost or reduced income.

Learn More


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.
All loans subject to credit approval.