Limited-Time Reduced Rates

¹ Financing is subject to BECU membership, credit approval, and other underwriting criteria; not every applicant will qualify.

² Loan rates effective 4/10/2026, range from 9.74% to 19.99% APR based on credit qualifications, amount borrowed, and term.

³ Loan rates effective 4/10/2026, range from 9.24% to 19.99% APR based on credit qualifications, amount borrowed, and term.

⁴ APRs as of 4/22/2026 range from 5.49% to 18.00%. Lowest APR based on borrower's credit history, 60-month or less repayment term, collateral two (2) years old or newer with up to 90% loan-to-value (LTV), and based on wholesale Kelley Blue Book or dealer invoice. Loans with repayment terms that exceed 60 months, 90% LTV, involve lesser applicant creditworthiness, or collateral older than two (2) years are subject to higher APRs and lower loan amounts. Certain conditions apply. The specific amount of the loan shall be based on the approved value of the collateral. Final loan approval is subject to funding review by BECU. Actual rate may be higher. Financing is subject to BECU credit approval and other underwriting criteria; not every applicant will qualify.

⁵ Financing is subject to BECU membership, credit approval and other underwriting criteria in the following states: WA, AZ, CA, ID, IL, KS, MI, OR, PA, SC; not every applicant will qualify. BECU must be able to perfect a first or second mortgage lien on your one-to-four family residence. Borrower will not have to pay any upfront fees to open the HELOC in normal circumstances. Borrower is required to pay for optional services (e.g., if borrower retains an attorney that borrower is not required to use). In South Carolina, where the law requires use of an attorney, BECU will be solely responsible for paying all attorneys' fees and costs necessary to open the HELOC and will perform this responsibility fully by paying all reasonable attorneys' fees and costs related specifically to the closing based on rates typically charged by attorneys in the local market for the closing of similar HELOC transactions. If the title report shows more than one existing lien, judgments, deceased owners, or other title issues, or if the appraisal shows problems with the subject property, however, then Borrower may be required to pay third parties to subordinate or otherwise resolve such title issues and/or to repair or otherwise resolve such property problems. These third-party charges may range from an average of $150.00 to $775.00 based on the specific circumstance. This range of charges does not include estimates for the costs of home repairs. Additional state or local mortgage fees or taxes may apply. Borrower will be required to pay for hazard insurance (including flood insurance, if applicable) throughout the term of the HELOC. When the HELOC terminates, Borrower will be required to pay a reconveyance fee up to $327.50. This fee must also be paid when refinancing your existing BECU HELOC with a new HELOC - this fee is subject to change at any time. The actual rate may be higher than the advertised rate for loans exceeding 70% combined loan-to-value (CLTV) or if you have lesser creditworthiness. Rates are subject to change without notice and assume a borrower with excellent credit. Loan programs, terms, and conditions are subject to change without notice.

⁶ The six-month introductory offer applies to applications received through 4/1/2026 to 7/31/2026. The APR for line of credit advances during the intro period will be 4.49% to 6.99%, based on creditworthiness, for six months from date of account origination. After that, your APR will range from 6.99% to 9.84% as of 4/10/2026. This APR is based on the Prime Rate in effect on the last day of the previous month, plus a margin, but will never exceed 18.00% or go below 3.25%. Your specific APR(s) is determined by your creditworthiness and property.