Lowest HELOC Rates

If you are considering a HELOC, Bellco Federal Credit Union can help. By becoming a member, you can qualify for the lowest interest rates, low fees, and attentive, friendly service from start to finish!

As a member-owned, not-for-profit federal credit union, Bellco FCU has offered unique financial products and services to people and small businesses in Berks County, PA since 1938. 

Unlike for-profit financial institutions, we return excess earnings to our members in the form of low interest rates on loans, high-yield investment accounts, low- or no-fee easy access account services, and the friendliest service around!

Whether you are in the market for an auto loan, personal loan, or a home mortgage or home equity loan, we have a solution that can help you meet your financial goals.

Home Equity Lines of Credit (HELOCs)

A Home Equity Line of Credit (HELOC) works very much like a credit card and can be used any time you need the funds. The interest rate may be lower than that of traditional fixed-rate mortgages, credit cards, and other types of personal loans.

Unlike the traditional Home Equity Loan (also known as a “second mortgage”), the interest rate on the HELOC is adjustable (not fixed), which means it may change over the term of the loan.  

During what is called a “draw period” (typically 5 or 10 years), you can make as many withdrawals as you like up to your credit limit, if and when you need the funds. The HELOC can be an excellent solution when you need to borrow small amounts over a longer period, such as for an extensive home remodeling project, a dream vacation, or to pay ongoing tuition fees.

Bellco FCU’s knowledgeable loan professionals will evaluate your credit worthiness based on your income, assets, debts and past credit use and help you determine how much you can afford to borrow. 

Join Bellco FCU Today

If you are already a member of Bellco FCU, you can apply for a HELOC online. If you are not yet a member, but live, work, worship, or attend school in Berks County, consider opening a primary savings account with as little as $5, and become a member today!

When you join Bellco FCU, you will remain a member for the rest of your life, even if you change jobs, retire, or move out of Berks County. You also become a partial owner and have an equal voice in how your credit union is run, no matter how much money you have on deposit. 

If you are looking for a HELOC in Berks County, PA, enjoy the lowest interest rates and the best service at Bellco FCU.