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Belco's Online Banking

Home Equity Rates

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Home Equity Loans - Closed End/Fixed1st Lien PositionJunior Lien Position
Annual Percentage Rate starting at*Annual Percentage Rate starting at*
Up to 60 Months 2.99%2.99%
61 to 120 Months2.99%2.99%
121 to 180 Months3.74%3.74%

*Rates quoted include a .25% deduction for automatic payment from a Belco account and a loan to value ratio (LTV) of <=80% and member payment of processing costs. Minimum $5,000 new money required if refinancing an existing Belco loan. Rate may differ depending on creditworthiness, LTV, loan amount and term of the loan. Rates are subject to change at any time without prior notice.

Home Equity Line of CreditTermAnnual Percentage Rate
Loan to Value up to 80%240 Months Starting as low as 3.25%++
Loan to Value up to 90% 240 Months Starting as low as 4.50%++

++Variable rate subject to change quarterly. Variable rate portion of HELOC is based on the Wall Street Journal Prime Lending rate plus a margin. Your rate will be based on your loan to value ratio.

Subject to credit approval. Membership eligibility applies.