Home Equity Lines of Credit and Loans

BCT offers Home Equity Lines of Credit and Home Equity Loans to help our neighbors improve their most important investment and provide needed capital for personal and family matters. We're ready to help!  Make an appointment today.

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SPECIAL PROMOTION

No Closing Costs For Loans and Lines* Under $250,000

 

 

Home Equity Loan

For major projects at home or other personal needs, Home Equity Loans provide funding when you need it most. Offering a fixed rate for the term of the loan, you receive funds up front and make installment payments to repay the loan. No closing costs for loans under $250,000. 

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Home Equity Line of Credit (HELOC)*

Our HELOC rate is a Variable Rate based on the US Prime Rate (Wall Street Journal). You may borrow up to a combined 85% Loan to Value with no closing costs for lines of credit under $250,000.*  Property Insurance is required.  Get started today!

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*This promotion is a limited time offer and may end at any time without notice. It is for exclusive use with a BCT Home Equity Line of Credit (HELOC) and subject to credit approval.  Application must be received by September 30, 2020. The Annual Percentage Rate (APR) is a variable rate available as of 7/22/2020 and will remain at the U.S. Prime Rate (Prime) as published in the Money Rates table of the Wall Street Journal for the life of the loan. As of 03/16/2020 Prime was 3.25%. The minimum APR will not be less than 3.75%, making the effective rate of this offer 3.75%. The maximum APR will not exceed 18.00%. Closing costs will be paid by BCT up to an approved line of credit of $250,000. Lines over $250,000 may be subject to closing costs which could include transfer taxes, title insurance, appraisal, and credit reporting fees ($50-$2,500). Finance charges begin to accrue when funds are advanced. Property insurance is required on collateral. Should the borrower close the account within 36 months of when the HELOC is opened, the borrower will repay all closing costs paid by BCT. Promotion effective as of 7/22/2020.