Access Your Home's Equity—Fast, Flexible, and Local
Turn the equity you've built in your home into a flexible line of credit with a BrightStar Credit Union HELOC. Whether you're renovating, consolidating debt, or planning ahead, a HELOC gives you access to funds when you need them—without refinancing your mortgage.
A Home Equity Line of Credit (HELOC) is a revolving line of credit secured by your home. Unlike a traditional loan, you borrow only what you need, when you need it—and as you repay it, your available credit replenishes.
It's one of the most flexible and affordable ways to finance life's big (and small) expenses.
Homeowners across South Florida use HELOCs to:
Upgrade your kitchen, add a bathroom, or make essential repairs to your home.
Combine higher-interest debt into one manageable payment at a lower rate.
Invest in your family's future by funding education expenses.
Finance significant purchases without depleting your savings.
Build an emergency fund you can access whenever you need it.
Because your home is used as collateral, HELOC interest rates are typically lower than credit cards or personal loans.
A HELOC has two phases: a draw period and a repayment period.
This structure gives you flexibility now and predictability later.
BrightStar HELOCs feature a variable interest rate tied to the Prime Rate and adjusted twice a year. For added stability, you can lock in portions of your balance into fixed-rate options.
This allows you to combine flexibility with predictable payments.
Both products let you borrow against your home's equity—but they work differently.
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BrightStar Credit Union has served South Florida communities for decades. When you choose BrightStar, you get:
Your application is reviewed by people who understand the South Florida market.
Mortgage specialists who guide you every step of the way.
Clear pricing with no hidden fees or surprises.
A trusted financial partner focused on your success.
See how BrightStar Credit Union rates stack up against the competition. Enter your amounts below to calculate your potential savings.
BrightStar keeps costs simple and transparent.
No hidden fees. No surprises.
Based on your credit profile, income, and property value. A BrightStar mortgage specialist will help determine the best option for your situation.
Calculate Your EquityA HELOC is a revolving line of credit secured by your home. You can borrow, repay, and borrow again during the draw period.
Interest may be tax deductible if the funds are used to improve your home. Consult a tax advisor for details.
You can borrow up to 80% of your home's equity, depending on your credit profile, income, and property value.
Have more questions?
View All FAQsGetting started is easy. Apply online or speak with a BrightStar mortgage specialist who will guide you every step of the way.