Bethpage Federal Credit Union is an affordable HELOC provider for those seeking loans under $500,000. While it doesn't offer home equity loans directly, you can convert all or a portion of your HELOC into a fixed-rate home equity loan after you're approved. There is an application form online for those who prefer to do it themselves, but Bethpage also strives to make itself available to potential customers with questions, so this is a good place to begin if you don't find the information you're seeking on its website.