If you own a home in Fort Lauderdale, chances are your property has appreciated significantly over the past few years. That equity doesn’t have to just sit there. With a Home Equity Line of Credit (HELOC), you can turn your home’s value into flexible financing—whether you’re renovating, consolidating debt, or just want a financial safety net.
The real key is choosing the right lender. Rates vary. So do fees. And not all HELOCs are created equal.
In this guide, we’ll walk you through the best current HELOC offers in Fort Lauderdale and highlight who’s doing it best in 2025—starting with a Florida-based company that’s helping homeowners cut through the noise.
1. Select Home Loans – Best Overall for Local Service & Competitive Offers
If you want personal guidance instead of a generic online form, Select Home Loans should be your first call. Based in Florida, they work with a wide range of lenders to help you compare real-time HELOC options—all without making you do the legwork.
They’re not a bank. They’re an advocate. Select Home Loans listens to your goals, reviews your equity situation, and matches you with the most favorable terms available—whether it’s a low-rate promo, no closing costs, or flexible repayment.
Why they stand out:
- Local, personalized service for Fort Lauderdale homeowners
- Access to multiple HELOC offers—not just one bank’s product
- Support for unique financial situations (self-employed, new homeowners, etc.)
- No-pressure consultations, fast communication, and full transparency
Best for: Homeowners who want expert advice, local insight, and better offers without running around.
2. Space Coast Credit Union
SCCU offers one of the most aggressive HELOC promotions in Florida right now. Homeowners can take advantage of a 4.24% APR intro rate for the first 12 months on principal-and-interest plans. They also offer interest-only options and don’t charge closing costs, which adds up to real savings.
Key highlights:
- 4.24% intro APR (first 12 months, P&I)
- No closing costs or prepayment penalties
- Interest-only available at 7.75% APR
Best for: Primary residences and borrowers looking for straightforward, low-cost options.
3. Florida Credit Union
If you want a credit union feel but with digital convenience, FCU offers a HELOC starting at 5.99% APR for the first 6 months. You can also link your line to a Visa card for easy access, which makes it ideal for ongoing projects or cash-flow flexibility.
Key benefits:
- No closing costs on loans over $10,000
- Intro rate: 5.99% for 6 months
- HELOC access via linked credit card
Good fit for: Homeowners who want revolving credit they can easily use day-to-day.
4. United Community Bank
United Community Bank offers both first- and second-lien HELOCs, with fixed intro rates as low as 6.25% APR for the first year. They also offer long draw and repayment periods, making them a solid option for larger renovations or longer-term plans.
What to know:
- 6.25% intro rate (first lien HELOC)
- 10-year draw and 15-year repayment
- No application fees or annual fees
Best for: Borrowers with strong credit who want predictable timelines.
5. Bank of America
Bank of America’s HELOC offering is flexible, especially for existing customers. They offer rate discounts for Preferred Rewards members and the ability to convert parts of your balance to a fixed rate—a nice hedge if you’re concerned about rising rates.
Features:
- Discounted rates for account holders
- Fixed-rate conversion option
- Online and mobile app access
Best for: Long-time BofA customers who want to manage everything digitally.
6. TD Bank
TD Bank makes the list for its unique fixed-rate lock-in feature, allowing borrowers to stabilize their monthly payments on portions of the balance. They also have strong customer service ratings and a growing branch presence in Fort Lauderdale.
What they offer:
- Fixed or variable-rate flexibility
- Helpful customer support
- Streamlined digital application
Ideal for: Borrowers who want structure and predictability in their borrowing.
7. PNC Bank
PNC’s HELOC program is solid across the board. With up to 90% loan-to-value, they’re one of the more generous lenders when it comes to tapping into your equity. While not always the lowest on rate, they make up for it with flexibility and no closing costs in many cases.
Highlights:
- High LTV limits (up to 90%)
- Fixed-rate options available
- Good digital tools and branch support
8. Navy Federal Credit Union
If you’re active-duty military or a veteran, Navy Federal offers HELOCs with up to 100% LTV—rare in today’s market. They also provide 20-year draw periods, no closing costs, and fixed-rate loan options.
Who it’s for: Military-affiliated borrowers looking for maximum leverage and long-term flexibility.
It Pays to Compare
With Fort Lauderdale property values holding strong and interest rates beginning to level off, now is a great time to explore a HELOC. But don’t settle for the first offer you see. Between teaser rates, hidden fees, and confusing terms, it’s easy to leave money on the table.
That’s why many homeowners are turning to Select Home Loans. Instead of chasing down offers from a half-dozen banks, you get side-by-side comparisons, personal guidance, and access to lenders you may not find on your own.
