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.

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.
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.