Bethpage Federal Credit Union HELOC
Best High LimitBethpage Federal Credit Union
4.5
6.99%–10.99% APR$10,000–$1,000,000Fee: No closing costs; no annual feeMin credit: 670+
APR Range
6.99%–10.99%
Loan Amount
$10,000–$1,000,000
Term
120–240 mo
Origination Fee
No closing costs; no annual fee
Our take
Noteworthy for its 12-month fixed-rate introductory period — unusual for a HELOC and a real advantage if rates are rising. No closing costs make the upfront cost very low. Membership is open to anyone who opens a $5 savings account. Best intro-rate HELOC available from a credit union.
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Full details
| Minimum loan amount | $10,000 |
| Maximum loan amount | $1,000,000 |
| Lowest APR | 6.99% |
| Highest APR | 10.99% |
| Shortest term | 120 months |
| Longest term | 240 months |
| Origination fee | No closing costs; no annual fee |
| Minimum credit score | 670+ |
| Funding speed | 2–3 weeks |
Frequently asked questions
What is the APR range for Bethpage Federal Credit Union HELOC?
Bethpage Federal Credit Union HELOC offers APR from 6.99% to 10.99%. Your actual rate depends on creditworthiness, loan amount, and term length.
How much can I borrow with Bethpage Federal Credit Union HELOC?
Loan amounts range from $10,000 to $1,000,000. The amount you qualify for depends on your income, credit score, and existing debt.
What credit score do I need for Bethpage Federal Credit Union HELOC?
A minimum credit score of 670 is typically required. However, meeting the minimum doesn't guarantee approval — lenders also consider income, debt-to-income ratio, and employment history.
Does Bethpage Federal Credit Union HELOC charge an origination fee?
Yes, Bethpage Federal Credit Union HELOC charges an origination fee of No closing costs; no annual fee. This is deducted from your loan proceeds before disbursement.
How fast can I get funded with Bethpage Federal Credit Union HELOC?
Bethpage Federal Credit Union HELOC typically funds loans within 2–3 weeks. Actual funding time may vary based on verification requirements and your bank.
Is Bethpage Federal Credit Union HELOC worth it?
Noteworthy for its 12-month fixed-rate introductory period — unusual for a HELOC and a real advantage if rates are rising. No closing costs make the upfront cost very low. Membership is open to anyone who opens a $5 savings account. Best intro-rate HELOC available from a credit union.
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Verified Mar 2026
Bethpage Federal Credit Union HELOC