Figure Home Equity Line vs. Bethpage Federal Credit Union HELOC
Side-by-side comparison · Updated 2026 · Independently reviewed
Figure Home Equity Line
Figure
4.8
Fully digital HELOC with funding in as little as 5 days and a fixed interest rate — no variable-rate risk.
Full review →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. Figure Home Equity Line may still be the right fit depending on your loan amount and term needs.
Feature
Figure Home Equity
Bethpage Federal Credit
APR Range
7.35% – 15.54%
6.99% – 10.99% Best
Loan Amount
$15,000 – $400,000
$10,000 – $1,000,000 Best
Term Length
60–360 months
120–240 months
Origination Fee
0%–4.99% of draw amount (rolled into balance)
No closing costs; no annual fee
Min Credit Score
640+ Best
670+
Funding Speed
As fast as 5 business days
2–3 weeks
Figure Home Equity Line
Bethpage Federal Credit Union HELOC
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