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New Hampshire Home Equity Line Of Credit

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Make an appointment and see how you can use your home's equity your way.

As a homeowner, you’ve probably got a long list of projects and plans you’d like to complete. You may also want to consolidate debt, pay recurring tuition bills, make home improvements, or even plan a big event like a wedding or an anniversary celebration to remember. At Bellwether we can help you check those items off your list! A home equity line of credit from BCCU provides 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, the interest only payment option keeps payments lower in that 10 year period. Plus, you’ll pay interest only on the amount you've used. 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 are available to use again. Let your favorite NH Credit Union help you conveniently gain access to the money you’ve already paid into your home.

Check out our rates!

Benefits of using home equity

  • Low interest rate, interest only payment
  • Borrow up to 100% of the value of the home (minus any existing mortgage balances)*

Apply for your Bellwether Home Equity Line of Credit today

Apply online for your Home Equity Line of Credit!

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Home Equity Lines
Effective Date: Friday, November 16th, 2018
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 - 1/4% (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 10/1/18 was 5.25%. 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. Promotional Fixed Rate shown includes a .25% discount for Auto-Pay from a Bellwether checking account. 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 - 1/4% (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 10/1/18, 5.25%) 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 - 1/4% (4.75%). Rate shown includes a .25% discount for payments made by automatic transfer/payment using a Bellwether account. 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%. This product has an application fee of $250.

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


*For well-qualified borrowers.

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