PenFed Home Equity Line of Credit vs. Bethpage Federal Credit Union HELOC
Side-by-side comparison · Updated 2026 · Independently reviewed
PenFed Home Equity Line of Credit
PenFed
4.3
Credit union HELOC with no closing costs, no annual fee, and competitive variable rates for members.
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. PenFed Home Equity Line of Credit may still be the right fit depending on your loan amount and term needs.
Feature
PenFed Home Equity
Bethpage Federal Credit
APR Range
8.00% – 18.00%
6.99% – 10.99% Best
Loan Amount
$25,000 – $500,000
$10,000 – $1,000,000 Best
Term Length
120–240 months
120–240 months
Origination Fee
No closing costs; no annual fee
No closing costs; no annual fee
Min Credit Score
660+ Best
670+
Funding Speed
2–4 weeks
2–3 weeks
PenFed Home Equity Line of Credit
Bethpage Federal Credit Union HELOC
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