With more choices, better rates and lower fees, BECU accounts, credit cards, and loan programs allow you to dream bigger about your financial future.

Open Doors with BECU Loans

BECU has a wide range of loans and lines of credit that can meet your needs and budget. Take a look at the options below—you can apply for many of these loans conveniently online. To learn more, give us a call or visit us at a Neighborhood Financial Center.

Home LoansHome Equity and Home Improvement LoansAuto LoansBoat, RV, Motorcycle and Sport Vehicle LoansPersonal LoanPersonal Line of CreditStudents

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For a Motorcycle or Sport Vehicle Loan:

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Home Equity and Home Improvement Loans
Features and Benefits
Home Equity Line of Credit Home Equity Loan Home Improvement Loan
Loan Amount Up to $1,000,000 Up to $400,000 Up to $25,000
Equity Required Yes Yes No
Features
  • Revolving line of credit; use as credit is available, similar to a credit card
  • Option to lock in a fixed rate
  • Interest payments only or principle and interest payments
  • One lump sum
  • Fixed rate
  • Principle and interest payments
  • One lump sum
  • No home equity required
  • Fixed rate
  • Principle and interest payments
Uses
  • Ongoing home improvement projects
  • Debt consolidation (including high interest credit cards)
  • Tuition or other ongoing expenses over time
  • One-time home improvement expenses
  • Debt consolidation
  • Weddings, tuition vacations or other planned expenses
Home repairs such as windows, new roof, energy efficient projects
Access Withdraw funds when you need them; transfer funds to your checking account One lump sum disbursed at loan funding One lump sum disbursed at loan funding
Rates Variable rate with the flexibility to lock in a fixed rate Fixed rate Fixed rate
Loan to Value (LTV) Loans up to 100%* of the available equity in your home Loans up to 100%* of the available equity in your home Not a requirement
Property Eligibility Primary and secondary residence properties Primary and secondary residence properties Primary and secondary residence properties
Tax Deductible Yes, consult with a tax advisor Yes, consult with a tax advisor No
Prepayment Penalty No No No
Annual Fee No No No
Loan Application Fee No No No

*Up to 100% on Primary Residence; loan to value on Non Owner Occupied varies. Please inquire before applying on your second home.

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