Bethpage Federal Credit Union HELOC vs. LightStream Home Improvement Loan
Side-by-side comparison · Updated 2026 · Independently reviewed
Bethpage Federal Credit Union HELOC
Bethpage Federal Credit Union
4.5
Credit union HELOC with a rare 12-month fixed intro rate, no closing costs, and lines up to $1M.
Full review →
LightStream Home Improvement Loan
LightStream
4.6
APR 7.99–25.99%. Up to $100K. Same-day funding.
Full review →WealthSpott Verdict
Bethpage Federal Credit Union HELOC wins on more measurable categories — particularly on rate and cost. LightStream Home Improvement Loan may still be the right fit depending on your loan amount and term needs.
Feature
Bethpage Federal Credit
LightStream Home Improvement
APR Range
6.99% – 10.99% Best
7.99% – 25.99%
Loan Amount
$10,000 – $1,000,000 Best
$5,000 – $100,000
Term Length
120–240 months
24–84 months
Origination Fee
No closing costs; no annual fee
None
Min Credit Score
670+
660+ Best
Funding Speed
2–3 weeks
Same day
Bethpage Federal Credit Union HELOC
LightStream Home Improvement Loan
Pros
- Low rates
- Low rates
- Same-day funding
- Same-day funding
- No fees
- No fees
Cons
- Strong credit needed
- Strong credit needed
- Unsecured only
- Unsecured only
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