Use your Home Equity Line of Credit as the smart way to manage your finances. If you want the flexibility of ready cash to remodel your home, consolidate your debt, buy a new car, or manage unexpected expenses, a home equity line of credit may be the best option for you.
Take a look at some of the benefits of our equity line of credit:
- Apply once for a revolving line of credit that you have access to whenever you need it. As you payback your advances, you can borrow again and again as needed
- Check access for an easy hassle-free way to get the cash you need simply by writing a check up to your credit limit
- Low variable rate, based on the Wall Street Journal Prime Rate
- Qualified borrowers can receive up to 90% of your home's equity
- NO annual fees or closing costs for loans*- you'll save on out of pocket expenses
- Potential tax deduction (consult your tax advisor)- you'll get to keep more of your hard earned money
- Make your payments online with Online Banking or by phone using Telephone Teller
*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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