Home Equity Line of Credit
Home Equity Line of Credit
Imagine the possibilities!
A home equity line of credit (HELOC) is a convenient way to borrow money, using your home as collateral. Withdraw money as you need it, pay it back over time.
- $0 closing costs on loans up to $250,0001
- For a large planned expense or paying off higher-rate loans
- Competitive fixed and variable interest rate options
- Repayment terms up to 25 years
- Calculate your estimated payment with our Fixed Rate HELOC calculator.
Not sure how a HELOC works? Find out and see answers to common questions.
HELOC options
Zero closing costs
When we say zero closing costs1, we mean it.
- No fees for your HELOC application, appraisal, origination, mortgage tax, etc.
- Borrow up to 90% of your home's appraised value
- Competitive fixed and variable rate options
- Available on loans up to $250,000
Should I refinance?
See if you can reduce your monthly payments by refinancing your existing mortgage or home equity loan into a lower-rate solution.
- Compare our rates to your loan's rate
- Mortgages from any provider are eligible
- Home refinance calculator
Save on insurance
We recommend shopping around for a better insurance rate because you might be overpaying. Visit our online insurance shopper to see if you can save2!
- One application, multiple quotes
- Home, auto, and life
- Affordable payments
Convenience meets flexibility with your HELOC access card
Now you can access your Home Equity Line of Credit in a snap with your free Broadview Home Equity Mastercard®. No more writing checks for every purchase.
- Make purchases anywhere Mastercard is accepted
- No minimum transaction amount
- Daily limit of $10,000
Bank well, live better
Make the most of every Broadview benefit to simplify your finances and bank your way.
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APR = Annual Percentage Rate. All rates quoted are the lowest available rates. Actual interest rate will be based on overall creditworthiness. Other rates and terms available. Property insurance, including flood insurance, may be required. Rates are accurate as of 10/16/2026 1:57 PM and are subject to change without notice. Fixed Rate Home Equity Line of Credit: Rates are as low as Loading...% fixed APR for a 10-year repayment term. Includes a 5-year draw. Variable Rate Home Equity Line of Credit: Rates are as low as 4.24% APR for the first 12 months and Prime minus 0.50% thereafter (currently Loading...% APR), with a maximum APR of 14.90%. A 10-year draw period is included in the 25-year repayment term. APR may vary.
Closing costs are paid by Broadview on lines up to and including $250,000 with two exceptions. 1) If title insurance is required, those costs are paid by the borrower. 2) If the HELOC is closed within the first 3 years of account opening, the borrower repays the closing costs. The most common amounts for closing costs are estimated between $0 and $6,500 but depending on location and other factors it could be higher. For loan amounts greater than $250,000, or total combined Broadview home equity loans exceeding $250,000, all closing costs will be paid by the borrowers at the time of closing.
All Lines of Credit require a minimum limit of $10,000 and are available in New York State and Pennsylvania counties of Susquehanna, Bradford or Wyoming. Broadview membership is required. -
Broadview Insurance Agency, LLC, Albany, NY is a wholly owned subsidiary of Broadview Federal Credit Union. Not NCUA insured. Not a deposit. Not guaranteed by the credit union.
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For a complete list of credit union loan originator NMLS numbers, click here.
