Skip to Main Content

Loans & Credit Cards

Home Equity Loans & Lines of Credit

When the bills get bigger, look no further.  Our Home Equity Loan or our Home Equity Line of Credit can help you cover major expenses such as home repairs, medical bills, or college education.

With a Home Equity Loan and Home Equity Line of Credit you borrow against the equity in your home, which is the difference between the value of your home and your current mortgage balance.  Plus, the interest payments on a Home Equity Loan may be tax-deductible^.

^Please consult a tax professional regarding specific information on your individual situation.

 

*** NO FEES ON LONG ISLAND PROPERTIES ON LOANS UP TO $350,000 ***

*** REDUCED FEES ON PROPERTIES OUTSIDE OF LONG ISLAND ***

*** Loans over $200,000 require an appraisal, paid for by applicant.  Loans on properties outside of Long Island, applicant is required to pay for recording tax/charges.

Home Equity Loan

Our Home Equity Loan is a fixed-rate loan that provides you with fast, convenient funding.  We call it Equity Express!

  • Fixed rate
  • Terms up to 30 years
  • Loan amounts up to $500,000
  • Quarterly eStatements available online, opt-in required
  • 24/7 account access with our Free Online Banking or Free Mobile Banking App

Apply

Home Equity Line of Credit (HELOC)

Access the money you need, when you need it and pay interest only on the amount you owe while in the draw period.  Be prepared for the unexpected with an affordable and flexible solution.  Our HELOC is a great option for immediate access to large sums of cash whenever you need it.  Plus, you can use your line of credit all at once or a little at a time – you decide.

  • Low-fixed introductory rate
  • Variable rate
  • 10 year draw period with extension options available
  • Interest only payments for the first 10 years, then a 15 year payback schedule
  • Loan amounts up to $350,000
  • 24/7 account access with our Free Online Banking or Free Mobile Banking App

Apply

  • Equal Housing Lender
  • NCUANCUA
  • Norton by Symantec