A variable, revolving Home Equity Line of Credit (HELOC) gives you the ability to borrow as much or as little as you need during your draw period. Like a credit card, the amount available to borrow is replenished as you pay your outstanding balance.

Features & Benefits:

• Rates as low as Prime
• Line of Credit up to $500,000, 30 year term with a 10 year interest only draw period
• Up to a 20-year repayment term
• 1 – 4 family “Owner Occupied” Residential Properties and Condos only
• Financing available in New York and New Jersey

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An inclusive fixed rate home improvement loan tailored to our members who reside in low to moderate census tract income areas OR have a household income within the low to moderate scale as provided by the FFIEC website. Members must own and occupy the home as their primary residence as well as pre-qualifying for the loan based on FFIEC census tract and income guidelines. Please keep in mind that you still must qualify for the loan through other standard eligibility such as credit score, debt to income ratio, lien position and ownership of property. For additional information, please visit our rates page.

Features & Benefits:

• Fixed interest rate
• 1-10 year flexible loan term
• Loan amounts between $5,000-$20,000
• Funds must be strictly used for Home Improvements
• Receive the amount borrowed in one lump sum
• Financing available in New York and New Jersey

View FFIEC Guidelines

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