When it's time to take care of home improvements or finance major purchases, a home equity loan may be the perfect option.

Members can take advantage of two types of home equity loans - a Home Equity Loan or Line of Credit.

With a BTCU Fixed-Rate Home Equity Loan you can:

  • Enjoy a fixed interest rate for the life of the loan.
  • Receive your funds in a lump sum — you get the full loan amount at once.
  • Choose from a variety of loan terms.
  • Make fixed monthly payments of principal and interest.
  • Have a predictable payoff schedule.
  • Pay down additional principal balance at any time without penalty. 

A BTCU Home Equity Line of Credit is a revolving, variable-rate line of credit that uses your home as collateral. The amount you borrow is based on the difference between the debt secured by your home and its market value. You can use the money whenever you need it, with no fixed schedule. If you’re approved, you can withdraw what you need, when you need it, and pay interest only on the funds you withdraw.

Did you know? We can also refinance your home equity loan from another bank. Yes! It pays to refinance. That's right - depending on your current rate, you may be able to save hundreds of dollars per year by simply refinancing to a lower rate with BTCU. The process is easy and it doesn't cost a penny to talk to us to see how much you can save!


BTCU Fixed Rate Home Equity Promotion

* Borrowers are eligible for a $500 closing cost discount on a new home equity loan, subject to credit approval and closing. Must be a $10,000.00 minimum. Offer is valid on applications submitted before 6/30/2021. If the loan does not close for any reason, credit will not be applied and costs will not be refunded. This offer cannot be redeemed for cash and has no cash value. Contact BTCU for current rates and terms.



BTCU NMLS: 407267
Information Booklet: Learn more about Home Equity Lines of Credit.


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Home Equity Line of Credit Rates View All Rates

Variable-Rate 80% LTV 1

  • Rates as low as
    4.00% APR
Home Equity Loan Rates View All Rates

Fixed-Rate 80% LTV 1

  • Rates as low as
    2.79% APR

Fixed-Rate 100% LTV 2

  • Rates as low as
    3.99% APR