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Bellwether Community Credit Union is proud to offer our community Home Equity Line of Credit (HELOC) options designed to suit their needs. While Bellwether mainly serves New Hampshire residents, we do occasionally offer HELOCs outside of New Hampshire. Our team of skilled loan professionals will work with you to determine the best solution for your financial needs. With competitive rates, knowledgeable loan staff, and a commitment to high-quality service, we're your premier HELOC lender in the New Hampshire area.




Examine current Home Equity Line of Credit rates below.

Home Equity Lines
Effective Date: Saturday, June 15th, 2019
Account Type% FinancedAnnual Percentage Rate (APR) As Low AsApplication
Hybrid Home Equity Line Up to 85% 3.49% APR* Fixed for 1 Year
Thereafter As Low As
Prime - .25% (Variable)
Apply Here
*Annual Percentage Rate (APR) is variable and will be based on your credit worthiness and ability to repay. At the end of the 12-month fixed introductory period, the line converts to a variable APR based on a margin as low as the Wall Street Journal Prime Rate minus 0.25%. Prime as of 1/1/19 was 5.50%. The variable APR will not exceed 18%. A $344 early termination fee may apply if account is closed within three years from account opening. Homeowners insurance is required. Maximum 85% combined loan-to-value ratio. If you pay interest only, you still owe the amounts drawn and your monthly payment will increase when the interest-only period ends. Annual fee of $50 will be charged each anniversary month. Offer subject to change at any time and is for new BCCU lines only.
Home Equity Line Up to 85% As low as Prime - .25% (Variable) Apply Here
Home Equity Plus Line of Credit Up to 100% As low as Prime + 2.00% (Variable)  
*Annual Percentage Rates (APR) are subject to change at any time. Rates shown are for well qualified borrowers. Your actual rate will be determined by your credit worthiness and ability to repay. Rates are variable, based on Wall Street Journal Prime (as of 1/1/19, 5.50%) and are subject to change at any time. An annual fee of $50 is charged each anniversary month. Home Equity Line: Rates as low as Prime - .25% (5.25%). Homeowner's insurance is required. If you close the line within three (3) years, there is an early termination fee of $344. All loans subject to credit approval. Home Equity Plus Line of Credit: Rates as low as Prime + 2.00% with a floor/ceiling rate of 5%/18%.

Click Here for Hybrid Home Equity Line Disclosure 

Click here for Home Equity Line Disclosure

Click Here for Home Equity Plus Line of Credit Disclosure

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



A Home Equity Line of Credit from Bellwether provides you access to the equity you've built up in your home, whenever you need it, simply by writing a check! The line will be available to draw from for up to 10 years. Plus, you'll pay interest only on the amount you've used; that means if you don't use the line, you don't have any payments to make. And, as you pay down the line, your payments will adjust and the funds become available to use again.

Here are a few more benefits of using a Home Equity Line of Credit:

  • Get Money When You Need It: A line of credit functions like a credit card, allowing you to access money when you need it.
  • More Money: With a Bellwether HELOC, you can borrow up to 100% of the value of your home (minus any existing mortgage balances)
  • Lower Interest Rate: HELOCs allow you to borrow money at a lower interest rate than many credit cards.
  • Low Closing Costs: HELOCs typically have low or no closing costs.
  • TaxDeductible: Interest paid on your HELOC may be tax deductible, but be sure to check with your tax advisor to confirm.

Let your favorite NH Credit Union help you conveniently gain access to the money you've already paid into your home.

USING A HELOCTry a HELOC from Bellwether today!

A Home Equity Line of Credit may be the perfect solution for homeowners in need of immediate cash flow. Whether you'd like to start a new home improvement project, want to tackle your child's college tuition expenses, or plan a big life celebration like a wedding, a HELOC from Bellwether can help you turn the equity in your home into usable cash. 

Use a HELOC to cover a variety of expenses, including:

  • Debt consolidation
  • College tuition
  • Weddings
  • A second home
  • Vacations
  • Home remodeling projects



Have a question about applying for Home Equity Line of Credit in New Hampshire? Browse our HELOC FAQs below.


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.

The interest rate on a Home Equity Line of Credit can change at the beginning of each month, based on the fluctuation of prime rates.

It’s easy to apply for a home equity line of credit from BCCU. Apply online, call 1-866-996-9828 to talk to one of our helpful representatives, or visit one of our local branches.

You may be able to get approved for a HELOC in New Hampshire in as little as 30 to 45 days.

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