A Home Equity Line of Credit (HELOC) lets you tap into your home’s equity and use it when you need it—for renovations, debt consolidation, or major expenses.
Bellwether offers two different HELOC products; *Home Equity Line and **Home Equity Plus Line of Credit. Rates shown are for well-qualified borrowers. For each product, the Annual Percentage Rate (APR) is variable and will be based on your creditworthiness and ability to repay. Rates are variable, based on the Wall Street Journal Prime (as of 1/1/26, 6.75%), and are subject to change at any time. In order to open and maintain your home equity loan account, an annual fee of $50 is due on the Anniversary Date of your Agreement. To open the plan you must also pay certain fees to third parties, generally totaling between $0 and $1,500. A $344 early termination fee may apply if the account is closed within three years from account opening. A title search fee of $200 may be applied in certain circumstances. If your property is held in a trust, an upfront, non-refundable $85.00 trust review fee applies; otherwise, there are no origination/application fees. If you pay interest only, you still owe the amounts drawn, and your monthly payment will increase when the interest-only period ends. Homeowners insurance is required. HELOCs not offered for rental or investment properties. If property is in a flood zone, flood insurance is required.
*Home Equity Line: Introductory Rate of 5.99% for the first 6 months. After Intro Period the rate is as low as Prime - 0.25%. Prime as of 1/1/26 was 6.75%. Homeowner's insurance is required. All loans subject to credit approval. Floor rate is dependent on creditworthiness.
**Home Equity Plus Line of Credit: Maximum 100% combined loan-to-value ratio. Rates are as low as Prime +2.50%. Prime as of 1/1/26 was 6.75%. The variable APR will not exceed 18%. Floor rate is dependent on creditworthiness.
Click Here for Home Equity Line Disclosure
Click Here for Home Equity Plus Line of Credit Disclosure
For more information view the Consumer Financial Protection Bureau HELOC Brochure.
Bellwether offers two different HELOC products; *Home Equity Line and **Home Equity Plus Line of Credit. Rates shown are for well-qualified borrowers. For each product, the Annual Percentage Rate (APR) is variable and will be based on your creditworthiness and ability to repay. Rates are variable, based on the Wall Street Journal Prime (as of 1/1/26, 6.75%), and are subject to change at any time. In order to open and maintain your home equity loan account, an annual fee of $50 is due on the Anniversary Date of your Agreement. To open the plan you must also pay certain fees to third parties, generally totaling between $0 and $1,500. A $344 early termination fee may apply if the account is closed within three years from account opening. A title search fee of $200 may be applied in certain circumstances. If your property is held in a trust, an upfront, non-refundable $85.00 trust review fee applies; otherwise, there are no origination/application fees. If you pay interest only, you still owe the amounts drawn, and your monthly payment will increase when the interest-only period ends. Homeowners insurance is required. HELOCs not offered for rental or investment properties. If property is in a flood zone, flood insurance is required.
*Home Equity Line: Introductory Rate of 5.99% for the first 6 months. After Intro Period the rate is as low as Prime - 0.25%. Prime as of 1/1/26 was 6.75%. Homeowner's insurance is required. All loans subject to credit approval. Floor rate is dependent on creditworthiness.
**Home Equity Plus Line of Credit: Maximum 100% combined loan-to-value ratio. Rates are as low as Prime +2.50%. Prime as of 1/1/26 was 6.75%. The variable APR will not exceed 18%. Floor rate is dependent on creditworthiness.
Click Here for Home Equity Line Disclosure
Click Here for Home Equity Plus Line of Credit Disclosure
For more information view the Consumer Financial Protection Bureau HELOC Brochure.
Apply online and get guidance from a local lending team every step of the way.
*APY = Annual Percentage Yield. As of January 21, 2026, the FDIC National Deposit Rate for savings accounts shows a national average APY of 0.39 %. Results may vary. Our Emergency Savings account’s APY of 1.75 % is 4.5× higher than that national average. $5.00 minimum to open a savings account. Balance earns a premium rate from the first penny deposited, equal to the highest tier on our money market savings accounts on full balance up to $500. Any amount above that limit earns our standard savings rate of 0.01% APY. Fees may reduce earnings. Rates are subject to change. Savings amount of $603 per Bellwether member household is an estimation calculated by America's Credit Unions for a Member Benefits Report. Assumes 2.1 credit union members per household.
A traditional home equity loan allows you to borrow a fixed amount of money in one lump sum, with a fixed interest rate, loan term, and monthly payment amount.
A HELOC is a revolving line of credit that allows you to borrow money as you need it, using your home as collateral.
You may be able to get approved for a HELOC in New Hampshire in as little as 30 to 45 days.
The interest rate on a HELOC can change at the beginning of each month based on the fluctuation of prime rates.
