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If you’re looking for the best rates for HELOCs in Berks County, look no further than Bellco Federal Credit Union. After all the time and work you've devoted to building equity in your home, we believe you deserve something in return!

Bellco FCU is a member-owned, not-for-profit federal credit union. As experienced HELOC lenders, we offer members flexible solutions, low interest rates and fees, and face-to-face service.

A HELOC from Bellco FCU could provide the funds you need for large expenses at a lower interest rate than that of traditional fixed-rate mortgages, credit cards, and other types of personal loans.

Take advantage of current regular HELOC rates as low as 3.99%APR (subject to change at any time) and our special 6-month Introductory Rate of 1.99%APR (may be discontinued without notice).



About HELOCs

A HELOC, or Home Equity Line of Credit, can provide you with a certain amount of money, usually between 80-90% of the value of your home equity. It works somewhat like a credit card, and the funds are made available to you for a specified time period (typically 5 or 10 years).

During what is called a “draw period,” you can withdraw funds from the line of credit whenever you need them. As you pay off the principal, your credit revolves, and you can use it again and again for the duration of the draw period.

A HELOC from Bellco FCU offers a variety of benefits:

  • Secured by the equity in your home
  • No restrictions on use of funds
  • Useful for periodic expenses, such as emergency funds, debt consolidation, tuition, and home improvements
  • Adjustable interest rate (with a cap)
  • Withdraw the funds you need when you need them
  • Apply once, then use the funds repeatedly without reapplying
  • Monthly payments vary based on the amount borrowed and the current interest rate
  • Local, Pennsylvania decision-making and processing

By evaluating your credit worthiness based on your income, assets, debts and past credit use, Bellco FCU can help you determine how much you can afford to borrow.

How to Get Started

Membership in Bellco FCU is open to people who live, work, worship, or attend school in Berks County, PA. Simply open a Member Savings account with as little as $5, and set up your membership in a few simple steps.

Once you are a member, your immediate family members will be eligible to join too and take advantage of competitive rates for mortgages, personal loans, credit cards, and the many other services we offer.

When you’re seeking the best credit union in Berks County for a HELOC, consider Bellco FCU. Our team will work with you to make sure you get the home equity loan that’s right for you and your budget. Contact us today to learn more!