Home Is Where Happy Is

You Belong Where Banking is Better.

At your local Credit Union, you’ll find lower rates, fewer fees (and no fees when possible), greater rewards and more innovative products and services than other financial institutions. Plus, once you join BCU, your family members are eligible too.

Apply now for your chance to win*!


Ready to bring your happy place to life? Apply for a Home Equity Loan or Line of Credit by April 30, 2023 for a chance to win* one of three cash prizes:

  • Grand Prize: $10,000
  • Second Prize: $7,000
  • Third Prize: $5,000

It’s our way of helping you make your home your own! And, because everyone deserves a place to call home, BCU will make a donation to Habitat for Humanity for every new loan application1.

Click below to get started.


Apply for a Home Equity Loan or Line of Credit by April 30, 2023

entered to win

Automatically enter into the sweepstakes

Habitat for Humanity logo

Your application = donation to Habitat for Humanity1

Why apply with BCU?

  • Competitive fixed and variable rates
  • Low closing costs2
  • Rate reduction up to 0.50% APR3 when you qualify for Rewards Rates

Use your home's equity to:

  • Disclosure


    *Open to legal U.S. residents who are members of BCU and 18 years or older unless prohibited by law. Credit Union membership criteria can be found at https://www.BCU.org/Membership-Eligibility. BCU membership must be opened by 4/30/2023. To enter, you must apply for a BCU home equity loan or home equity line of credit by 4/30/2023. All loan applications are subject to a full underwrite and require verification of income, assets, employment and rental history if applicable. All loans are also subject to final credit approval, which includes verification of application information and receipt of collateral documents. This offer applies to owner-occupied residential properties only. (Single family homes, condos and townhomes). Excludes mortgage purchase and mortgage refinance transactions. Limit one (1) entry per person, per household and per email address for the entire Promotion Period. Offer begins at 12:01 am CST on 2/1/2023, and ends at 11:59 p.m. CST on 4/30/2023, ("Offer Period"). Only new home equity loan and home equity line of credit applications submitted during the Offer Period will be accepted. Existing BCU home equity loans and home equity lines of credit do not qualify. Three (3) potential winners will be determined from among all eligible entries received in one (1) random drawing to be conducted on or about 7/15/2023 by BCU whose decisions are final, subject to validation and binding on all matters relating to this giveaway. The potential winners will be notified by phone or email; winners must respond and accept prize by 7/31/2023; otherwise, another winner will be drawn. One (1) winner will receive a $10,000 prize, one (1) winner will receive a $7,000 prize, and one (1) winner will receive a $5,000 prize. All prizes will be awarded by deposit into the member's Share-01 Savings account within 30 days of accepting prize. No other substitution for prize allowed. All federal, state or local income, sales and use taxes or other taxes, are the sole responsibility of the Prize Winners. Prize Winners are required to provide their social security number for tax reporting purposes and will receive a 1099 Miscellaneous Tax Form for the value of the prize. BCU employees and immediate family members are not eligible to participate. By entering this sweepstakes, participants agree to https://www.BCU.org Terms of Use and the Privacy Policy located at https://www.BCU.org/Legal/Privacy-Policy. By entering, entrants grant BCU the right to broadcast and distribute their name, image, likeness, voice, entry materials, and biographical information in any media, for any purpose, in perpetuity, without any further authorization from or compensation to the entrant. No purchase necessary to enter or win. Purchase will not improve chance of winning. Odds of winning depend on the number of eligible entries received. ALTERNATE METHOD OF ENTRY: On a 3'' X 5'' card, hand print your name, phone number, email address and BCU member number by 4/30/2023 to BCU Attn Home Equity Sweepstakes. 340 N Milwaukee Ave, Vernon Hills, IL 60061. Full contest rules are available upon request at the same address. Terms and conditions are subject to change without notice.

    1. For every new home equity loan or home equity line of credit application that is submitted during the offer period, BCU will make a donation to Habitat for Humanity. The maximum total donation amount will not exceed $5,000.


    2. Closing costs vary by state and range from $700-$1300. Closing costs paid by BCU are limited to appraisal, flood determination, title insurance and recording fees. Costs to satisfy certain prior liens may be assessed.


    3. You may reduce your APR up to 0.50% with Rewards Rates. This includes a 0.50% discount for having two of the following relationships: direct deposit of at least $1,000 per month into your credit union checking account; at least $25,000 on deposit, or a loan in good standing. Qualifying loan types include mortgage, home equity, auto, and credit card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher.

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