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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 5.74%5.74%
61 to 120 Months5.74%5.74%
121 to 180 Months6.24%6.24%

*Rates quoted include a loan to value ratio (LTV) of <=80% and payment of recording fee by Belco. Available only on primary, owner-occupied, 1-4 family residences in PA. Proof of property insurance required. 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 5.25%++
Loan to Value up to 90% 240 Months Starting as low as 6.50%++

++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.

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