Banking Services from Neighbors You Know & Trust

Since our opening in 1970, we have been able to offer our customers more in terms of reliable banking services. BCBank offers personalized, exceptional customer service from neighbors you know and trust, and the ability to provide home equity loans and other types of lending services. When you need a home equity loan, or would like to find out more about it, contact us at (304) 457-3300 and let us help you keep your promises – just like we keep ours!

Contact Us

What is a Home Equity Loan? How Do I Get One?

If you are not sure what a home equity loan is, you are not alone. Many people wonder what home equity loans are for and how to get one, and BCBank can help. A home equity loan uses the equity of a borrower’s home as collateral. The loan amount is determined by the value of the property, and the value of the property is determined by an appraiser of the home and property. A home equity loan creates a lien against the borrower’s house and reduces actual home equity. These loans provide funds for a desired purchase, especially if your home is worth more than you owe on it. You can also take advantage of the typically lower interest rates of the home equity loan (as opposed to credit cards and personal loans). A low rate can help keep borrowing costs low, but to know if a home equity loan is right for you, get in touch with one of our helpful staff members.

Home equity loans are subject to credit approval.


top view of airplane model on laptop online flight schedule concept booking travel agency ticket
What Can Home Equity Loans Be Used For?

Even though you are using your house as collateral, your home equity loan does not necessarily have to be spent on house-related expenses. You can use a home equity loan for:


  • Home or Vehicle Repairs
  • Home Improvement/Additions
  • Purchasing a Vehicle
  • Vacations
  • Weddings
  • Medical Expenses
  • Education Expenses
  • Debt Consolidation
  • & More

Our loan officers are available to create a loan unique to each customer based upon certain factors such as, need, credit, collateral available, and risk. We are dedicated to enriching the community in which we live through our dynamic financial support, so contact a dedicated member of our banking staff today at (304) 457-3300.