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Summary

Leaky roof? Outdated kitchen? Stained carpet? Northern FCU's home improvement loan was designed with you in mind! Our home improvement loan lets you obtain financing specifically for home improvements, even if there is no equity available in your home.

• Terms up to 12 years are available to allow you to choose the payment that is right for you
• Fixed rates keep a consistent payment over the term of the loan
• NO annual fees or closing costs for loans*- you'll save on out of pocket expenses
• Up to a third lien position
• Potential tax deduction (consult your tax advisor)- you'll get to keep more of your hard earned money

* Qualified borrowers are responsible for paying New York State mortgage tax. Closing costs must be reimbursed to the credit union if the home equity loan is closed with in 3 years.

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