Alert: Starting Oct. 21, Lane 2 at the Commerce Branch will be closed for an estimated 6 weeks as we install a new Drive Thru Teller. The branch, drive up ATM and Lane 1 will remain open. 

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My Choice Home Equity Loan

Use the equity in your home to get a loan with a low fixed rate!

Our myChoice Home Equity Loan features:

  • Fixed rates as low as 2.25% APR
  • Terms up to 15 years are available to allow you to choose the payment that is right for you
  • NO annual fees or closing costs for loans*- you'll save on out of pocket expenses 
  • Funds when you need them - upfront
  • The flexibility to pay off high interest debt, consolidate debt, make home improvements and renovations or pay for other large ticket items.

*No Closing Cost offer dictates the following being paid by Northern Credit Union: 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 3 years.