Your Home's Value Working for You

Some opportunities are too good to wait on. A 5.49%* home equity line of credit (HELOC) from BNC National Bank is one of them.

Flexible Financing for Life's Big Expenses.

A home equity line of credit allows you to advance and pay down your loan as needed for: 

  • Debt consolidation: Reduce high-interest debt into a manageable payment.
  • Home improvements: Invest in upgrades that add value.
  • Major purchases: Fund life’s big moments with confidence.

With competitive rates and flexible repayment, a HELOC gives you control over your finances.

Wondering What You Might Qualify to Receive?

Our equity line of credit calculator helps you estimate how much credit you may qualify for based on your home’s value and any existing mortgages.

Calculate your potential line of credit

 

How to Apply for a HELOC at BNC

Applying online is easy - but there's one key step to keep in mind:


1. Click the Apply Now button to begin your HELOC application.
2. Sign-up or Login - If you've never applied online before, you'll need to create an account to start the loan process.
3. Complete your application with details about your home and financial needs.
 
Ready to take the next step? Get started today.
Apply Now

 
*Promotional rate is valid October 20, 2025 - December 31, 2025. APR = Annual Percentage Rate. Promotional APR applies only to new Home Equity Lines of Credit (HELOC) with a minimum loan amount of $10,000 and maximum loan amount of $200,000, and a maximum loan-to-value (LTV) of 90%. Customers who have an existing BNC HELOC are not eligible to refinance with the promotional APR.  Promotional APR is fixed for the initial 6 months of the HELOC. On the fifth day of the 7th month after HELOC opening, the APR will convert to the variable rate plan as described in the applicable HELOC documents. The subsequent APR may vary based on the index rate, plus a margin. The index rate is based on the Prime Rate as published in the Wall Street Journal. On October 20, that index rate was 7.00%; with a 0.50% margin, the APR would have been 7.50%. The APR will never exceed 18.00%. Alternative rates and terms are available. Actual rates and APRs are dependent on credit history, type of product, loan term and loan-to-value (LTV), occupancy and type of collateral. This line of credit has a 5-year draw period. The minimum monthly payment will be equal to the interest that has accrued on the HELOC as of the closing date of each billing statement. NMLS ID#418467.

Closing costs are waived unless the HELOC loan is paid off within one year. If the HELOC is paid off within one year, an early cancelation fee of $500 applies.

All loans are subject to credit review and approval.