Best for fixed-rate HELOCs: Bethpage Federal Credit Union Bethpage Federal Credit Union Learn More Annual Percentage Rate (APR) Apply online for personalized rates Types of loans Conventional, FHA, jumbo, refinance, HELOC Terms Fixed: 10, 15, 20, 30 years, ARM: 5/1, 7/1, 10/1 Credit ...
Navy Federal Credit Union Learn More Annual Percentage Rate (APR) Apply online for personalized rates Types of loans Conventional, VA, Military Choice, Homebuyers Choice, refinancing, HELOC Terms 10-30 years Credit needed Not disclosed Minimum down payment 5% for conventiona, 0% for VA, Military...
The interest rate on a HELOC tends to be lower than rates on credit cards and personal loans. Lenders use your combined-loan-to-value ratio, or CLTV, to decide if you have enough equity for a HELOC. NerdWallet has chosen some of the best HELOC lenders to help you find the one that'...
Why We Like ItPNC Bank is a large HELOC lender with a higher-than-average borrowing limit, a wide range of repayment terms and no initial draw requirements. Pros Max borrowing limit is higher than average. Minimum credit score requirement is lower than most competitors. ...
Military spouses can find personal loans through Navy Federal Credit Union, USAA and PenFed Credit Union, which offer loans tailored to military families. What’s the best place for active-duty military to get a personal loan? Active-duty military personnel often find the best terms through milit...
Upgrade is our top pick for secured loans for bad credit as it offers flexible loan terms with rates that don’t exceed 36%, as of publication. But, the lender only accepts passenger cars as collateral, so OneMain Financial or Lake Michigan Credit Union may be the better choice if you pr...
America First Credit Union offers a wide range of CD terms between three and 60 months, and all earn rates that are highly competitive. Also offered are specialty CDs such as a bump-rate CD and a flexible CD. All CDs require a manageable minimum opening deposit. Pros and cons Rate histo...
Find the Home Equity Lender That’s Right for You Looking for a revolving credit line secured by your home: Best HELOC Lenders Planning to finance home updates and repairs: Best Home Improvement Loans Struggling to qualify for a home improvement loan: ...
Takeaway: Your own bank or credit union is a great place to start looking for a HELOC, but it’s always best to compare rates from at least a few lenders to make sure you’re getting the most competitive terms. While your current lender may offer you a good deal on a HELOC, don’...
Why we chose it:We choseNavy Federalas the best mortgage refinance credit union because of its fast online pre-approval process, choice of loan terms and benefits for borrowers who are also selling. Pros Online pre-approval application