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BayPort Credit Union

Tap into your home’s value.

Get immediate access to the funds you need to reach your goals.

 

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Home Equity Loan

Borrow intelligently against the value of your home with a fixed-rate to budget your monthly payments while receiving your funds in one lump sum. Up to 15-year repayment term available.

Apply now

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Home Equity Line of Credit

Get the financial flexibility you need without the pressure of using all your funds at once. Choose from a traditional HELOC with 25-year repayment term or a fixed-rate with 10- and 15-year repayment options.

Apply now

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Love Your Home 100%
Unlike other financial institutions that only let you borrow up to 80% of your home equity, BayPort lets you borrow up to one hundred percent! Members can apply online with automatic payments1 using the promo code EQUITY.*

*Certain restrictions apply. Homes must be located in Virginia or North Carolina. Interest may be tax-deductible (consult your tax adviser). Maximum loan amount of $726,200. Fees may apply. Available for primary residences (up to 100% CLTV) and vacation homes (up to 90%). View HELOC early disclosures.

1If automatic payments stop, the rate will revert to the original rate.

4.99% APR* Promotional Rate

Open a Home Equity Line of Credit to receive a promotional rate of 4.99% APR for the first six (6) months with our Variable Rate or Interest-Only Variable Rate HELOC from April 3 – July 31, 2023.** Apply today using the promo code EQUITY.

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*Certain restrictions and terms may apply. Interest rates are subject to change without notice. Rates following the promotional period are 8.25% – 18.00% APR based on credit worthiness. Rates are variable based on the prime rate and subject to change. Available for draws on existing variable rate HELOCs; unavailable on fixed rate.

**Draws of $5,000 or more qualify. Promotional rate term begins on the day disbursements total $5,000 and applies to any additional draws made by July 31, 2023.

Love your home 100%

Unlike other financial institutions that only let you borrow up to 80% of your home equity, BayPort lets you borrow up to one hundred percent! Members can apply online with automatic payments* using the promo code EQUITY.

Apply now

*Certain restrictions apply. If automatic payments stop, the rate will revert to the original rate. Homes must be located in Virginia or North Carolina. Interest may be tax-deductible (consult your tax adviser). Fees may apply. Available for primary residences (up to 100% CLTV) and vacation homes (up to 90%).

Need a quote on a home insurance policy?

Protect against Mother Nature and unexpected events. BayPort Insurance offers the homeowners coverage you need to protect your investments and personal valuables.

More about home insurance ▸

Ready to apply?

Get the home loan process started easily in just a few clicks.

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*APR=Annual Percentage Rate
Membership eligibility required. Certain restrictions and terms may apply. Interest rates are subject to change without notice. Interest rates are based on your creditworthiness and will vary with the market based on the Prime Rate. The maximum annual percentage rate will not exceed 18%. Interest rates do not include pricing adjustments for loan to value, loan amounts, and credit score. BayPort may lend up to 100% of the assessment or appraised value. Maximum loan amount of $726,200. Property insurance and if applicable, flood insurance is required. No closing costs, excluding appraisal fee if required. The appraisal fee is usually $625.00. The fee will be collected up front and the appraisal will be ordered from one of the appraisers on our approved list. If you close your home equity loan or home equity line of credit within twenty-four (24) months, you will be required to reimburse the Credit Union for closing costs paid on your behalf. Additional fees may apply.

(757) 928-8850 · (800) 928-8801

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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Our website contains links to websites owned and operated by third parties. If you use these links, you leave our website. BayPort Credit Union has no control over the contents of such linked websites or third parties and is not responsible for these websites, their content, or availability.

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