Home Equity Line of Credit

Cover home projects and major expenses to enhance your life.

A home equity line of credit (HELOC) lets you borrow money with your home as the "security deposit." Withdraw money as you need it, pay it back over time.

  • For a large planned expense or refinancing
  • Rare fixed-interest rate
  • Variable rates as low as 4.49%APR for 12 months
    and as low as  %APR thereafter1
  • Repayment period: 5 to 20 years

Every HELOC we offer comes with ZERO closing costs and we mean it. None, nada, zilch – compare and save!

Apply Now

Not sure if a HELOC is right for you?
Contact us at (800) 634-2340 and we can assist with answering your questions.

LoanXpress Pre-Approved Offers

To see if you are pre-approved (and can skip the usual application), log in to your Online Banking account, click "Apply for a Loan" in the menu then select "LoanXpress." Or, log in to our Mobile app, click "More" in the bottom right menu then select "LoanXpress."




Major Expense

Cover remodeling projects, college tuition, or another large expense with dependable payments you can budget.


Just in Case

Line up your HELOC for peace of mind. Withdraw money if you need to cover a major, unexpected cost.

Access to Money (Draw Period)

Access to Money (Draw Period) for Fixed-Rate

4 Years

Access to Money (Draw Period) for Variable-Rate

10 Years

Years to Repay (Term)

Years to Repay (Term) for Fixed-Rate

5-20 Years

Years to Repay (Term) for Variable-Rate

20 Years

Minimum Required

Minimum Required for Fixed-Rate


Minimum Required for Variable-Rate


Loan to Home Value (LTV)

Loan to Home Value (LTV) for Fixed-Rate

Up To 90%

Loan to Home Value (LTV) for Variable-Rate

Up To 100%

Intro Rate

Intro Rate for Fixed-Rate


Intro Rate for Variable-Rate

Variable rates as low as 4.49%APR for 12 months and 
as low as  %APR thereafter1

Zero Closing Costs

Say no to all those fees! When we say zero closing costs, we mean it.2

  • No fees for your HELOC application, appraisal, origination, mortgage tax, etc.
  • Borrow up to 100% of your home's appraised value
  • Rare fixed rate! Variable-rate option also available.
  • Repayment term: 5-20 years

Should I Refinance?

See you much you can reduce your monthly payments by refinancing the mortgage or home equity loan you already have.

  • Compare our rates to your loan's rate
  • Mortgages from any provider are eligible
  • Refinance up to $350,000
  • Bonus: no appraisal fee, no escrow required

Start Saving

A hand with a pencil in it crunching numbers on a calculator.

Save on Insurance

Instead of overpaying for insurance, keep it for yourself. Visit our online insurance shopper to see if you can save!3

  • One application, multiple quotes
  • Home, auto, and life
  • Affordable payments

Learn More

Bank Well Live Well

Simplify your finances and boost your savings. Make the most of every CAP COM benefit.

Getting quotes on your insurance can reveal eye-opening savings. Submit one request and get multiple quotes.

Get Quotes

Our low-rate personal loan can help you cover unexpected expenses, update your living spaces, pay off higher-rate debt -- and more!

See Rates & Apply

Set financial goals and pursue them. Create budgets, reduce debt, and build your savings.

Money Management

  1. APR = Annual Percentage Rate. Intro rate effective for first 12 months. Rate is subject to adjustment annually and the first variable rate adjustment will occur one year from the loan funding date. The floor rate will be set at the time of loan funding, will be in effect for the life of the loan, and will be indicated on the loan agreement. Loans with LTVs of up to 90% in first position and LTVs of up to 90% in second position will be equal to the Prime Rate minus 0.50%. Loans with LTVs between 91% - 100% will be equal to the Prime Rate plus 2% with a maximum APR of 18%.

  2. The Annual Percentage Rate (APR) shall be set at the time of funding and may be as high as the current Prime Rate plus 2% with a maximum APR of 18%. The representative monthly payment based on a 10-year term, in first mortgage position at a 5.50% Annual Percentage Rate is $10.85 per $1,000 borrowed. The representative monthly payment based on a 20 -year variable term, in first mortgage position at a 7.255% Annual Percentage Rate is $7.91 per $1,000 borrowed. Rates are accurate as of DisplayRateEffectiveDate and are subject to change without notice. No closing costs on home equity lines of credits (HELOCs) up to $250,000. Discharge fees and overnight shipping charges are excluded where applicable. If the HELOC is paid and closed within 3 years of the closing date there is a recapture fee in which you will have to reimburse the Credit Union for all closing costs paid on your behalf. Estimated recapture fee examples include $457 in closing costs and a maximum average of $2,475 in New York state mortgage tax for Albany, Schenectady, and Rensselaer counties. Actual closing costs and mortgage tax may be different.

    All Lines of Credit require a minimum limit of $10,000. Other rates are available and subject to change without notice. Mortgages in New York State only. Broadview FCU NMLS Identifier: 458314

  3. Insurance products offered through Broadview Insurance Agency a wholly owned subsidiary of Broadview Federal Credit Union. Any insurance required as a condition of an extension of credit by CAP COM Federal Credit Union a division of Broadview FCU is not required to be purchased from Broadview Insurance Agency and can be purchased from an agent or insurance company of the individual’s choice. Business conducted with Broadview Insurance Agency is separate and distinct from any business with CAP COM Federal Credit Union a division of Broadview FCU. Broadview FCU is not responsible for products and services purchased through Broadview Insurance Agency. Broadview FCU does not warrant, guarantee or insure any service or product offered by any insurance company.

  4. For a complete list of credit union loan originator NMLS numbers, click here.