Guaranteed Rate Mortgage vs. Bethpage Federal Credit Union HELOC
Side-by-side comparison · Updated 2026 · Independently reviewed
Guaranteed Rate Mortgage
Guaranteed Rate
4.3
Digital-first lender known for a transparent rate-lock guarantee and broad loan program coverage.
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
Guaranteed Rate Mortgage wins on more measurable categories — particularly on rate and cost. Bethpage Federal Credit Union HELOC may still be the right fit depending on your loan amount and term needs.
Feature
Guaranteed Rate Mortgage
Bethpage Federal Credit
APR Range
6.20% – 8.10% Best
6.99% – 10.99%
Loan Amount
$100,000 – $4,000,000 Best
$10,000 – $1,000,000
Term Length
120–360 months
120–240 months
Origination Fee
Varies; typically 0.5%–1.5%
No closing costs; no annual fee
Min Credit Score
620+ Best
670+
Funding Speed
21–30 days
2–3 weeks
Guaranteed Rate Mortgage
Bethpage Federal Credit Union HELOC
Not sure which loan is right for you?
Browse all loans