Choose a Fixed Rate Home Equity Loan or a HELOC with a Rate as Low as 4.00% APR!

Use loan proceeds to make home repairs, consolidate bills, pay tuition, take a trip and more.

• No application fee—no annual fees
• No closing costs—a savings of up to $1200
• Rates available lower than Prime Rate
• You could qualify to borrow up to 100% of the equity in your home
• The interest you pay may be tax deductible

Fixed Rate Home Equity Loan—Choose from a variety of terms—and save money with fixed rates as low as 5.00% APR.

Home Equity Line of Credit—Enjoy access to your HELOC with convenience checks or an Equity Platinum Visa. Qualifying members receive a low 4.00% APR rate.

APPLY Online, by phone or visit a nearby branch location today!

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Learn more about our Home Equity Loan process—from application to closing »

Sample payment assumes $30,000 borrowed at 4.25% APR with a repayment term of 15 years. Actual payments may vary, depending on your rate, term, balance and other factors.

Our Home Equity Loans and Lines of Credit have no annual fee and no application fee. Conditions and credit approval apply. Offers and rates are subject to change or end at anytime. The Annual Percentage Rates (APRs) are our current lowest rates; actual rates may vary, depending upon the program you select, individual credit history, loan to value ratio and other factors. Consult your tax adviser to determine tax benefits, if any. There are generally no closing costs on a new BrightStar CU Fixed Rate Home Equity Loan of at least $30,000 or a HELOC; however, members may be required to pay for an appraisal, which can range from $75 - $550. For Fixed Rate Home Equity Loans under $30,000, call our Mortgage Services department for a closing costs estimate. Membership eligibility is required. Ask a representative for complete details.

HELOC APRs are variable and indexed to the Prime Rate as published in the Wall Street Journal. The maximum APR that may be imposed is 18%. On the HELOC special introductory rate offer, after one year your rate will revert to a standard rate–as low as Prime Rate minus 1% APR. The HELOC special introductory rate requires a minimum initial advance of $10,000. If refinancing an existing BrightStar Home Equity Line or Loan, then you must take an additional $10,000 above amount required to payoff existing account. In addition, you must maintain for one year a balance equal to the initial advance of $10,000 (or $10,000 above refinanced loan) less any monthly payments. This offer is valid only for loans on a primary residence. Maximum loan-to-value of 80%.

Property insurance is required for these loans, which may add additional costs for the borrower.