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Home Equity Loan

Unlock the Value in Your Home

A Home Equity Loan lets you borrow against the value you’ve built in your home—offering a fixed interest rate and predictable monthly payments. Whether you're planning a major renovation, covering college tuition, consolidating debt, or handling unexpected expenses, a home equity loan can provide the financial flexibility you need.

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Home Equity Loan Rate Table

Applicable to primary residences or second homes. Interest rates based on a credit score of 700 or greater. Minimum loan amount of $5,000 with a maximum loan amount of $200,000. Maximum of 80% LTV.  Full appraisal required for loan amounts exceeding $100,000. Bellwether Community Credit Union will pay for Flood, AVM, and Credit Report. Borrower pays for third party Title fees and appraisal fees. 

 

Effective Date: August 1, 2025
Term
Interest Rate
APR
Term
5 Years
Interest Rate
6.750%
APR
7.024%
Term
10 Years
Interest Rate
7.000%
APR
7.148%
Term
15 Years
Interest Rate
7.250%
APR
7.399%

Applicable to primary residences or second homes. Interest rates based on a credit score of 700 or greater. Minimum loan amount of $5,000 with a maximum loan amount of $200,000. Maximum of 80% LTV.  Full appraisal required for loan amounts exceeding $100,000. Bellwether Community Credit Union will pay for Flood, AVM, and Credit Report. Borrower pays for third party Title fees and appraisal fees. 

 

 

Home Equity Loan vs Home Equity Line of Credit

Although both financing options allow you to utilize the equity in your home, a Home Equity Loan is a one-time lump sum of money upfront. Home Equity Loans have a fixed rate, meaning your monthly payment and interest rate will remain the same for the length of the term. Home Equity Loans typically offer more predictability and stability with the fixed rate option compared to a Home Equity Line of Credit that can fluctuate depending on market conditions.

Want to discuss potential rates for your home equity loan?
Visit our Manchester, Nashua, Bedford, or Pelham branches and talk to our helpful team of loan professionals.

More Options

Not enough equity built in your home? A Home Improvement Loan may be the better choice for you. With Bellwether's Home Improvement Loan, a type of unsecured personal loan specifically for home-related projects, you'll get your money the same day you apply! 

Learn More
 
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