Bethpage Government Credit Partnership: Finest domestic guarantee line of credit that have a fixed-price option Overview: Bethpage are a cards union you to definitely provides over 400,100 people. The financing commitment has the benefit of mortgages, refinance funds and you will HELOCs. Its HELOCs features zero costs. As to why Bethpage Federal Borrowing Union is best household equity line away from borrowing that have a predetermined-speed option: Bethpage offers the unique option to move some or every one of a changeable-rates HELOC in order to a fixed-price mortgage instead of a charge. With this option, you might choose from five-, 10- and you can 20- season installment terms. Perks: In place of of several competitors, Bethpage doesn’t fees closing costs or yearly fees, and its own HELOCs possess extremely lower basic cost into the first seasons. What things to look out for: So you’re able to register for good Bethpage HELOC, you need to enroll in the credit commitment from the starting the absolute minimum $5 share savings account. In addition, Bethpage HELOCs are not available to borrowers who happen to live into the Tx. Financial from The usa: Finest home guarantee line of credit getting lowest costs Overview: Bank from The usa has the benefit of HELOCs throughout fifty states and Arizona, D.C., and you will nixes a great amount of charges you to other financial institutions charge. You’ll be able to shave 0.25 percent away from the rate once you setup automatic repayments away from a lender regarding America checking or bank account, as much as 0.75 % out-of for making a primary withdrawal or more so you’re able to 0.375 per cent away from if you are a popular Rewards client.