Your home is more than just a place to live—it’s one of your most valuable financial assets. At Beacon Credit Union, we’re helping you make the most of it with our limited-time Home Equity Line of Credit (HELOC) offer.
Enjoy a competitive 5.25% APR† and No Closing Costs**!
Think of a HELOC like a credit card with a much lower interest rate, backed by the equity in your home. You’ll get a set credit limit and can borrow as much or as little as you need, repaying only what you use.
It’s a smart, cost-effective solution for:
- Remodeling your kitchen or adding that dream deck
- Paying down high-interest credit cards
- Covering tuition or education expenses
- Managing emergency or medical bills
Ready to Get Started?
Visit your nearest Beacon Credit Union branch or apply online today to lock in this 5.25% Intro APR† Home Equity Line of Credit along with No Closing Costs**.
†Annual Percentage Rate. Introductory rate of 5.25% APR applies to HELOCs with a loan-to-value (LTV) of up to 80%. All offers are subject to credit qualification with required credit scores of 650 or higher to receive the introductory rate and no closing cost. In addition, to receive the discounted introductory rate and no closing cost, the member must take an initial draw at closing from the new line of credit greater than or equal to $25,000. Initial balances greater than or equal to $25,000 and any other outstanding balances on your new line of credit during the first 12 months after the loan closing date will be calculated at the introductory variable rate. After 12 months, the variable rate will be the Prime Rate plus or minus margin. Margin will be determined by factors, including, but not limited to, your credit score. Prime Rate, as published by Wall Street Journal, is ten days before the end of the prior month (called the “Index”). As of August 8, 2026, the variable rates for home equity lines of credit are 8.25% – 14.75% for the 15-year repayment period. The offer is only available on properties in Virginia and North Carolina.
This offer is limited to owner-occupied, single-family dwellings and is not valid for rental properties, cooperatives, mobile homes, or residential lots. A share account balance of $5 is required for membership. Property insurance and flood insurance, where applicable, may be required.
**Closing costs are paid by Beacon Credit Union on loan amounts up to and including $250,000. For loan amounts greater than $250,000, in 1st lien position, requiring title insurance and/or all other closing costs that exceed $1500 will be paid by the borrowers at the time of closing. Appraisal may be required and must be paid by member prior to closing. Closing costs range from $500 – $4000. Early payoff and closure of credit line (within 36 months) may require remittance of any closing costs Beacon paid on your behalf. Collateral is evaluated against tax assessment valuations. All credit union programs may change or end at any time.