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 Home Equity Line of Credit:

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For a Home Equity or Home Improvement Loan:

Join online in a few easy steps and then apply for your new loan using Online Banking, or visit a BECU Neighborhood Financial Center.

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For a Boat or RV Loan:

It’s easy to join online in a few steps and apply for your new loan at the same time.

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For a Motorcycle or Sport Vehicle Loan:

Join online in a few easy steps and then apply for your new loan using Online Banking, or visit a BECU Neighborhood Financial Center.

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Home Equity and Home Improvement Loans
Features and Benefits
Home Equity Line of Credit Home Equity Loan Home Improvement Loan
Features Revolving line of credit available to use whenever you need, with the flexibility to lock in a rate with a fixed rate advance One-time lump sum, fixed rate One-time lump sum, fixed rate unsecured loan
Good for... Ongoing projects where additional funds may be needed throughout the project One-time expenses, for a variety of projects with a fixed budget, debt consolidation Home repairs like, new windows, new roof, energy efficient projects
Access Withdraw funds when you need it, just transfer funds to your checking account One lump sum disbursed at account opening One lump sum disbursed at account opening
Need Equity Yes Yes No equity required
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 N/A
Rates Variable rate with the flexibility to lock in a rate Fixed Fixed
Payments Interest only or principal & interest Principal & Interest Principal & Interest
Product Options Available on Owner Occupied & Non-owner occupied properties Available on Owner Occupied & Non-owner occupied properties N/A
Tax deductibility Yes; consult with your tax advisor Yes; consult with your tax advisor N/A
Loan Application Fees $0 $0 $0
Annual Fees $0 N/A N/A
Prepayment penalties $0 $0 $0
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