Choose a HELOC with a Rate as Low as 2.99% 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.

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

* Annual Percentage Rates (APRs) shown are our current lowest rates. Sample payment assumes $30,000 borrowed at 4.00% APR with a repayment term of 15 years. Actual payments my 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 $300 - $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.

On the HELOC special introductory rate offer, after 6 months your rate will revert to a standard rate -as low as Prime Rate plus .75% APR. If refinancing an existing BrightStar Home Equity Line or Loan, then you must increase the line by an additional $10,000 above the amount of the previous Home Equity Line of Credit.This offer is valid only for loans on a primary residence. Maximum loan-to-value of 80%. HELOC APRs are variable and indexed to the Prime Rate as published in theWall Street Journal.The maximum APR that may be imposed is 18%. Maximum loan-to-value of 80%. Property insurance is required for these loans, which may add additional costs for the borrower.