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Home Equity Rates


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Home Equity Loans - Closed End/Fixed1st Lien PositionJunior Lien PositionCurrent Promo APR+
Annual Percentage Rate starting at*Annual Percentage Rate starting at*
Up to 60 Months 3.99%3.99%
61 to 120 Months4.24%4.24%3.99%
121 to 180 Months4.49%4.49%

*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. You may also qualify for an additional 0.25% deduction for enrollment in a qualifying product package. 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.

+Promotional rates valid for a limited time only.

Home Equity Line of CreditTermAnnual Percentage Rate
Loan to Value up to 80%240 Months Starting as low as 4.25%++
Loan to Value up to 90% 240 Months Starting as low as 5.50%++

++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.

View our current mortgage rates