The My Choice Home Equity Loan is a great option if you need your cash all at once or prefer the peace of mind that comes with fixed rate financing:
- Save with a low fixed rate.
- Choose the repayment terms best for you—up to 15 years.
- Borrow up to 100% of your home’s equity (if you qualify).
To get started simply:
- Connect with one of our experienced lending professionals via Video Banking
Download the Northern Credit Union Video Banking Mobile App or use the Web Version with Safari, Chrome or Firefox.
- Apply online anytime
- Call or text 315-782-0155
|Rates as low as
|3.25% Fixed APR
*Annual Percentage Rate. No Closing Cost offer dictates the following being paid by NCU: appraisal; title search; recording fees; filing fees; and flood certification. Borrowers are responsible for paying NYS mortgage tax. Closing costs must be reimbursed to the credit union if the home equity loan is closed within three years. Rate quoted is for five years at 80% LTV in noted lien positions. Alternate rates available for LTVs of up to 90% of home’s value. Rates are determined by term, overall credit history, LTV, and type of property. Conventional stick built residences and seasonal residences only.
A typical loan of $25,000 at 3.25% APR would have 60 monthly payments of $452.00 each month, with total repayment of $27,120.