Home Equity Products

Introductory Rates as Low as


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Choose a HELOC with a Rate as Low as 1.89%* APR or a Fixed Rate Home Equity Loan.

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
  • Great Rates available
  • You could qualify to borrow up to 80% of the equity in your home
  • The interest you pay may be tax deductible
Home Equity Line of Credit

Enjoy access to your HELOC with convenience checks.

Fixed Rate Home Equity Loan

Choose from a variety of terms—and save money with fixed rates as low as 5.00% APR.

*Limited time offer until 8/01/17. Special introductory rate offer only available when an immediate draw of at least $10,000 is made, after 6 months your rate will revert to a standard rate- as low as Prime Rate plus .75% APR. Membership eligibility is required. Conditions and credit approval apply. Offers are subject to change or end at any time. Ask a representative for complete details. The cost and fees disclosed are estimated and are subject to change. Additional fees may be imposed, depending on the loan program selected. For details, please contact a BrightStar Representative. Property insurance is required for those loans which may add additional costs for the borrower. APR=Annual Percentage Rate. Our Home Equity Loans and 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%. Consult your tax adviser to determine tax benefits, if any. Members may be required to pay for an appraisal, which can range from $275-$550. Simultaneous loan closing are not eligible for this promotion. This promotional offer is only available for new loans and cannot be extended to an existing loan.

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Frequently Asked Questions

When you open a BrightStar CU account, you become a member. Your membership is your passport to a whole world of Credit Union services. Join for as little as $1. Once you're a member, you're eligible to apply for other accounts-including checking, loans, credit cards, and more. We offer 3 convenient ways to join:

  • Submit an application online
  • Complete a PDF application online, then mail it
  • Visit your nearest BrightStar CU branch location

Anyone who lives, works or goes to school in Broward, Collier, Lee, Martin, Miami-Dade, Palm Beach OR St. Lucie Counties, Florida. BrightStar CU serves Broward Schools, as we've proudly done for over 70 years. We provide services to local Partner Organizations, which offer BrightStar CU as a benefit to their employees. Family members of the above named groups are also eligible to join.