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Routing #: 221381540

Home Equity and HELOC Loans

Put Your Home’s Equity to Work For You!

Great Service

Low Rates

No Closing Costs

Consolidate debt, renovate, or use it for a big life event. We make it easy and even offer a No Closing Costs option to ensure you get the most out of the equity you have built.

Home Equity Loans*

Rates as low as 5.99% APR*

 
For a Limited Time Only

 

Leverage the equity in your home to get a loan.

  • No closing costs
  • Fixed rate
  • Easy to pay online and set-up automatic payments
  • Tax advantages may apply (consult your tax adviser)
  • Certified credit counselors available

Home Equity Line of Credit (HELOC)*

Leverage the equity in your home to receive a line of credit, then use as little or as much as you need!

  • No closing costs
  • Variable rate
  • Pay interest only on the amount you actually use
  • As you pay towards the principal balance, more of the credit line becomes available again.
  • Transfer the funds to your Checking Account or request convenience checks
  • Easy to pay online and set-up automatic payments
  • Tax advantages may apply (consult your tax adviser)
  • Find more information about HELOC Loans HERE.

You can also call us at 607-257-8500, toll free at 800-428-8340 or VISIT A BRANCH

Personal Loans

CFCU’s Personal Loans can be used for any purpose to fit your unique needs.

Learn More about Personal Loans

Equity is the value of your home, less the existing loan balances. CFCU will allow first or second lender for this loan, but not third. Credit scores are determined by the Credit Reporting Agency. Property Insurance is required. Equal Housing Opportunity Federally Insured by NCUA.

*Home Equity Limited Time Promotional Rate - APR=Annual Percentage Rate. 5.99% APR is for 5-year fixed rate Home Equity Loan with no closing costs (Payment per $1,000 at 5.99% for 60 months = $19.33 per month). 6.49% is for 10-year fixed rate Home Equity Loan with no closing costs (Payment per $1,000 at 6.49% for 120 months = $11.35 per month). Required 3-year recapture applies to No Closing Cost loans. Actual APR will be determined by loan term and credit score. Loan amounts of $5,000 to $200,000 based on creditworthiness. Credit scores are determined by the Credit Reporting Agency. Equal Housing Opportunity. Federally Insured by NCUA.

Home Equity - Required 3-year recapture period applies to No Closing Cost loans. Loan amounts of $5,000 to $200,000 based on creditworthiness.

Home Equity Line of Credit (HELOC) - Loan amounts of $15,000 to $150,000 based on creditworthiness. Required 3-year recapture period applies to No Closing Cost loans.

HOME MORTGAGE DISCLOSURE ACT NOTICE The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's Web site (www.consumerfinance.gov/hmda).

BORROWER COMPLAINTS AND INQUIRIES CFCU is registered with the New York State Superintendent of Financial Services. You may file complaints and obtain further information about CFCU by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or at www.dfs.ny.gov.