Bethpage Federal Credit Union HELOC vs. LightStream Personal 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 →
WealthSpott Verdict
Bethpage Federal Credit Union HELOC wins on more measurable categories — particularly on rate and cost. LightStream Personal Loan may still be the right fit depending on your loan amount and term needs.
Feature
Bethpage Federal Credit
LightStream Personal Loan
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 Personal Loan
Pros
- Low APR for qualified borrowers
- Low APR for qualified borrowers
- Same-day funding
- Same-day funding
- No fees
- No fees
Cons
- Higher credit required
- Higher credit required
- No prequalification
- No prequalification
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