Rates are at an all-time low, so even refinance and save on your rate (from other financial institution) or refinance those high interest loans you have elsewhere for those projects you have already completed.)
Home Equity FIXED Rate Line of Credit
This Line of Credit is a good choice for small to larger ongoing projects. Take what you need, when you need it with the stability of a fixed rate.
- Fixed Rate loan
- Revolving Line of Credit open 5 years with a repayment of up to 15 years
- Finance amounts of $5,000 or greater
- Borrow up to 95% LTV¹
- Monthly payment may vary
- No closing cost*
- No application fee
- Convenient access by debit card, check, transfer or branch
- Convenient repayment options
- Insurance Options
- Qualifies for a Patronage Dividend
Home Equity LOC (Fixed)
| Terms | Rate / APR |
| Up to 5 years | 6.49% / 6.79% |
| Up to 10 years | 6.74% / 6.90% |
| Up to 15 years | 6.99% / 7.10% |
-or-
Text or Call Us – we take applications by phone during branch hours (716) 632-9328.
Home Equity Variable Rate Line of Credit
The Line of Credit is a good choice if you aren’t sure exactly how much money you may need over what period of time you’ll need it.
- Variable Rate loan²
- Revolving Line of Credit open 15 years with a repayment of up to 15 years
- Finance amounts of $10,000 or greater
- Borrow up to 95% LTV¹
- Monthly payment may vary
- No closing cost*
- No application fee
- Convenient access by debit card, check, transfer or branch
- Convenient repayment options
- Life & Disability Insurance available
- Qualifies for a Patronage Dividend
Home Equity LOC (Variable)
| Terms | Rate / APR |
| Up to 15 years | 8.00% / 8.00% |
-or-
Text or Call Us – we take applications by phone during branch hours (716) 632-9328.
Home Equity Fixed Rate Loan
This loan is perfect for you if you have a specific project or large purchase in mind. You receive a lump sum of funds and you know exactly what your monthly payment, rate and term will be for the life of the loan.
- Fixed Rate loan
- Flexible terms up to 15 years
- Finance amounts of $10,000 or greater
- Borrow up to 95% LTV¹
- One time advance of funds
- Monthly payment fixed
- No closing costs*
- No application fee
- Convenient repayment options
- Life & Disability Insurance available
- Qualifies for a Patronage Dividend
Home Equity Loan (Fixed)
| Terms | Rate / APR |
| Up to 5 years | 5.99% / 6.26% |
| Up to 10 years | 6.24% / 6.38% |
| Up to 15 years | 6.49% / 6.59% |
-or-
Text or Call Us – we take applications by phone during branch hours (716) 632-9328.
Documents
The following documentation will be needed for your application:
- Application – apply online, by phone, or call to make an appointment.
- Latest Property Survey
- Deed to Property
- Declaration Page of Homeowners Insurance Policy
- Most current paystub and two (2) years completed Federal Tax Returns (First two pages only needed) Additional schedules, W2’s or tax documentation may be requested.
- Paid Real Estate tax receipts for the most current 12 month period OR Mortgage statement showing Escrow.
¹LTV = Loan-to-value. This means your appraised balance minus any first mortgage balance.
²Home Equity LOC is based on Prime.
*No closing costs if open 3+ years.
