Home Equity

You put a lot into your home. Get more out of the equity you’ve built up over time with a Home Equity Loan or Line of Credit. A Home Equity Loan can be used for home improvements, bill consolidation, purchasing a car and more.


Borrow up to 90% of your primary home’s appraised value minus existing mortgages (Loans over 80% combined loan to value require a higher credit score and are at an increased rate of 1%. Additional restrictions may apply.)
*Please Note- Our credit union has a tiered loan rate policy which applies different loan rates, terms, and maximum limits to borrowers based upon the borrowers’ credit history. Advertised rates apply to borrowers in Tier 1. The loan rate applicable to you may vary from our rates as quoted. All rates are expressed as ANNUAL PERCENTAGE RATES (APR) and include a 1.00% reduction for automatic transfers from a BHCU Share or Share Draft account, with the exception of our PLOC, HELOC, Credit Card and Share Secured Loan. Rates, terms and limits are subject to change without notice.

BHCU Home Equity Loan


Loan Type Loan Amount APRTerms
80% First Lien Position Home Equity Loan $5,000 to $500,000 As low as 3.24% to 4.47% fixed rate1 to 240 months
80% Subordinate Home Equity Loan $5,000 to $500,000 As low as 3.74% to 5.24%1 to 240 months

BHCU Home Equity Line of Credit

  • Variable interest rates based on the Wall Street Journal Prime Rate and adjusted quarterly
  • Once approved, you can access your Line of Credit by using the checks issued to you, at an ATM or by visiting our branch
  • Make withdrawals whenever you like. Your first withdrawal must be $5,000 or more and a minimum of $100 thereafter.

“Preferred Rate” (Variable) Auto Pay Discount: The ANNUAL PERCENTAGE RATE (APR) for the loan you are applying for may be discounted by 1% if you elect to make your payments via automatic payment thru your Credit Union Share or Share Draft account. If you discontinue the automatic payments for any reason, your rate will increase by 1% for the remaining term of the loan, and your payment will increase accordingly. Example: If your loan was for $4,000.00 at 4.50% for 4 years and the rate increased to 5.50% after 1 year, your payment would increase by $1.38.

***Please note*** The “Preferred Rate” disclosure does not apply to our HELOC product. For this product please see “Important Terms for our Home Equity Line of Credit Plan” disclosure.

*Home Equity early disclosure

Routing Number: 231385701

Your Delaware County Credit Union

501 Industrial Highway Ridley Park, PA 19078    |     1810 Wilmington Pike, Ste 15 Glen Mills, PA 19342

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