We offer attractive Home Equity Loans and Lines of Credit.  Plan your remodeling project with confidence with our flexible home equity loan or line of credit. Put your home’s equity to work for your dream kitchen, master bath, outdoor patio, or other remodeling project.


  • No Closing Costs on approved loans up to $250,000**
  • Fast Closing in as little as 10 business days***
  • No Application or Annual Fee

To apply, visit one of our convenient branches in your area.

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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 Loan or Line of Credit and is subject to credit approval. Application must be received by July 31, 2024. Closing costs will be paid by BCT up to an approved loan amount of $250,000. Promotion effective as of 02/26/2024.
** Lines of credit over $250,000 may be subject to closing costs which could include transfer taxes, title insurance, appraisal, and credit reporting fees  ($50 - $2,500). The Annual Percentage Rate (APR) is a variable rate tied to the U.S. Prime Rate (Prime) as published in the Money Rates table of the Wall Street Journal plus a margin of 1.25%. As of 07/27/2023, Prime was 8.50% making the effective rate for a Home Equity Line of Credit 9.75%. The minimum APR will not be less than 3.75% and the maximum APR will not exceed 18.00%. 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.
***Once all required client information and documents are received, Home Equity Lines and Loans can close in as little as 10 business
days, though not guaranteed.