Tap into your home’s value.

APR=Annual Percentage Rate. Membership eligibility is 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.

*Certain restrictions and terms may apply. Interest rates are subject to change without notice. The promotional rate of 3.99% is good for 9 months once an advance has been made during the promotional period of April 1 – June 30, 2025. As of March 31, 2025, rates following the promotion period are 6.49% – 11.04% based on creditworthiness.