Pennsylvania HELOC Rates

If you’re interested in a Home Equity Line of Credit (HELOC) in Pennsylvania, Bellco Federal Credit Union offers competitive rates, low fees, local decision-making and loan processing, and attentive, friendly service.

Bellco FCU is a member-owned, not-for-profit federal credit union. For 80 years, we have provided unique financial products and services to individuals in Berks County, including HELOCs, traditional Home Equity Loans, fixed-rate mortgages, and more.

A HELOC from Bellco FCU may offer the funding 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).

The HELOC gives you flexible access to cash with minimal fees and can be particularly convenient when you need to borrow smaller amounts over a longer period, such as for college tuition payments or an ongoing home renovation project.

What is a HELOC?

A HELOC, or Home Equity Line of Credit, is a revolving line of credit that is secured with the equity in your home. It has a draw period and a repayment period.

During the draw period (typically 5 or 10 years), you can withdraw funds from the credit line up to your credit limit. Withdraw as much as you need, when you need it, and make a minimum payment on the amount withdrawn.

If you partially or completely repay the line of credit during the draw period, you may make additional withdrawals. However, even if you do not use all of the available funds, you will not be able to make withdrawals after the draw period closes.

During the repayment period, you will be required to make monthly principal and interest payments until the entire loan has been repaid (typically up to 10 years).

Bellco FCU has the expertise to help you make the right decisions. Our knowledgeable loan professionals will evaluate your creditworthiness based on your income, assets, debts, and past credit use and 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. 

To learn more about Pennsylvania HELOC rates and the different types of home equity loans, Bellco FCU has the tools and expertise to help you make the right decisions. Contact us today!