We understand the challenges of being an educator, and we're here to make things easier. Take advantage of our exclusive Educator's Home Equity Line of Credit (HELOC) with flexible options to fit your needs.
Educator HELOC — Introductory Rate As Low As
6.25% APR*
For 12 months with $10,000 advance at closing
Choose the Pricing Option That Works Best for You
Option 1 — Introductory Rate
Advance at least $10,000 at closing and enjoy a 12-month introductory rate as low as 6.25% APR. After 12 months, your rate reverts to a standard rate as low as Prime minus 0.25%.
Option 2 — Standard Rate
No advance required — receive our standard educator HELOC rate. Competitive variable rate indexed to the Prime Rate with no annual fee or application fee.
Option 3 — Direct Deposit Discount
Maintain a Direct Deposit of $1,000+ per month into a savings or checking account and get a permanent 0.25% rate discount on your HELOC.
Your Home's Equity. Your Way.
Home renovations and improvements to increase your property value
A well-deserved vacation — you've earned it
Debt consolidation to simplify payments and lower your interest costs
Education expenses for yourself or your family
Emergency fund or unexpected expenses when life happens
Major purchases — vehicle, furniture, or anything on your list
Who's Eligible?
Proof of employment required (paycheck stub or school ID). Not an educator? Check out our standard HELOC with competitive rates for all members.
Educator HELOC FAQ
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Important Disclosures
*APR = Annual Percentage Rate. Special introductory rate offer only available when an immediate draw of at least $10,000 is made. After 12 months, your rate will revert to a standard rate as low as Prime Rate minus 0.25% APR. Membership eligibility is required. Proof of Public, Charter School, Private School, College, or University employment required. Retired Broward Schools Educators are eligible. Paycheck stub or school ID required. Conditions and credit approval apply. Offers are subject to change or end at any time.
The cost and fees disclosed are estimated and are subject to change. Additional fees may be imposed, depending on the loan program selected. Our Home Equity Lines of Credit have no annual fee and no application fee. 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%, and the minimum (floor) APR is 4%. Consult your tax adviser to determine tax benefits, if any. Members may be required to pay for an appraisal, which can range from $325-$550.
Simultaneous loan closings are not eligible for this promotion. This promotional offer is only available for new loans and cannot be extended to an existing loan. BrightStar Credit Union is federally insured by the NCUA.
Ready to Tap Into Your Home's Equity?
Apply for the exclusive Educator HELOC and enjoy lower rates designed just for school employees.