Use the equity in your home to finance home improvements, high school or college tuition, purchase a new car, take a vacation or consolidate your bills.  Whatever your needs, you'll enjoy easy access to your available funds and benefit from our fixed rate home equity loan or our home equity line of credit.

• Potential tax savings*
• Borrow up to 100% of appraised value, less any lien
• Help with closing costs!*

Home Equity Line of Credit

Variable rates as low as 8.25% APR (annual percentage rate).  This rate will change semi-annually on February 1st and August 1^st.  The rate is based on the Wall Street Journal Prime Rate.

• Your choice of access through a Visa credit card and / or convenience checks
• Earn Score Card Bonus Points with the use of the Visa credit card and cash in on gifts!

Call a mortgage lending officer at 1-800-361-1631 to apply.

Fixed Rate Home Equity

• Exactly that a fixed interest rate
• Flexible loan terms
• No payment for 3 months**
• .25% Discount for automatic draft or payroll deduction from Breco Checking Account!

Check out our rates!

Apply online for a Fixed Home Equity Loan

*Rates are subject to change.  Maximum APR is 18%.  Consult a tax advisor regarding deductibility of interest.  Breco FCU will pay closing cost of up to $525 if loan remains active for 1 year and has initial draw of $10,000 or more.  Regular credit terms apply. **Interest accrues during the first 3 months