Bayport Credit Union: A Smarter Way to Bank
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Online Banking Enrollment is easy - here's how:

  • In the Username box, enter your Account #.
  • In the Password box, enter your numeric STAR PIN.

If you do not have a STAR PIN or need assistance,
please contact us.

Home Equity Loans

It's time you were paid back for the hard work you have put into improving your home. When you have more home projects or other big-ticket purchases in mind, a BayPort Home Equity Loan can be used to finance your plans at a competitive rate.

Borrow intelligently against the value of your home with a fixed-rate option that allows you to budget your monthly payments while receiving your funds in one lump sum. Our priority is to help you find the right Home Equity Loan so you can continue to make improvements in your life.

  • Fixed rate loans available with up to 15 year term.
  • Homes must be located in Virginia or North Carolina.
  • No prepayment penalty.
  • Interest may be tax-deductible (consult your tax adviser).
  • An appraisal may be required, which we will order.
  • Application fee of $75 may apply. Other fees may apply.
  • Available for primary residences (up to 100% CLTV) and vacation homes (up to 90%).
  • Hazard insurance with extended coverage (fire and windstorm) is required. Flood insurance is required if home is located in a Special Flood Hazard Area.
  • Mobile homes, modular homes and rental properties are not eligible.  

Information You Need to Provide

  • A copy of the deed or deed of trust including legal description
  • Paystub for the most recent 30-day period
  • Your most recent mortgage balance statement(s), including address, phone number and your account number
  • Most recent W-2
  • Current city or county tax assessment statement
  • If self-employed, last two years of signed federal tax returns
  • Homeowner's and flood insurance company and agent information 

If you are ready for a Home Equity Loan, apply today. If you have any questions, please contact us. We are committed to providing valuable information and loan options to our members in the Tidewater and Hampton Roads, Virginia, area.