For a limited time, get a fixed rate as low as 3.99% APR on a Home Equity ChoiceLine advance of $10,000 or more.

You can use Bellco’s Home Equity ChoiceLine as a line of credit to build your dream kitchen, add a new deck, and more.
A ChoiceLine can also be the answer for consolidating high-interest holiday bills, funding college books and tuition, or making major purchases.

Apply at a branch Apply online

ChoiceLine comes with these great benefits:

  • No annual or prepayment fee**
  • No standard closing costs with a minimum $10,000 initial draw**
  • Lock in a fixed interest rate for advances made against your available equity line of credit
    (Up to 3 fixed-rate subaccounts permitted at any one time)
  • Access your variable-rate line of credit anytime during your 10-year draw period.
  • Flexibility of making interest-only payments during the draw period.
  • Use your line of credit for ten years and then take up to ten additional years to pay off any remaining balance in your variable line.


Take advantage of this limited-time offer, open online, at a branch, or call Member Services at 1-800-BELLCO-1.

Apply at a branch Apply online


Equal Housing Opportunity Statement: We are pledged to the letter and spirit of the U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing because of race, color, religion, sex, handicap, familial status, or national origin.

*The 3.99% APR rate on a Fixed Rate Subaccount is available to anyone that qualifies for this promotion and advances at least $10,000.00 from the available line of credit at the time the Fixed Rate Subaccount is opened. Conditions and restrictions apply. Please speak to a Bellco representative for more information on the qualifications for this limited time offer.
** Membership eligibility required. All loans subject to approval by Bellco. A $10,000 initial advance must be taken at closing to qualify for Bellco’s no closing cost offer, which excludes the appraisal fee. Standard closing costs will be paid by Bellco if the required initial advance is taken at closing. Unique closing costs associated with your loan will not be covered (e.g., subordination agreements, lien releases, etc.) An appraisal, paid for by the borrower, may be required to determine the value of the property, and is not a covered closing cost. Variable Annual Percentage Rate (APR) for well-qualified borrowers as of 04/04/19 is 6.00% and is subject to change without notice. Maximum APR for variable rate advance is 21%. The variable rate for advances shall be the Prime Rate as published in the “Money Rates” section of the Wall Street Journal plus a margin based on your creditworthiness and combined loan to value at the time of application. Variable rate may change after account opening. APR for fixed-rate advances will be set at the time you fix the rate based on the original application credit score and combined loan to value using today's current fixed rate. This fixed rate will be in effect for the whole term of the applicable fixed-rate subaccount, which cannot exceed the term of the loan. Property insurance is required.