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10-18 HELOC Trends 480x260

Finger Lakes Federal Credit Union has a Home Equity Line of Credit Loan to Fit Your Life!

Bring flexibility to your dreams and needs. Like a college education, medical expenses, going on a dream vacation, planning a perfect wedding, or finally completing long sought after home renovations. The possibilities are endless. Apply online today and have the money you need tomorrow. Our exclusive low fixed introductory rates are now starting as low as 3.99% APR* for 48 months. After the introductory period a 5.00% APR* variable rate.
We offer competitive rates on home equity loans, to help you finance what's important to you. With low rates and flexible terms our team can provide guidance, tailored to your unique financial picture and work to find repayment terms that will fit your needs. 
  • Flexibility to draw funds as needed. Open end revolving line of credit.
  • No Closing Costs or Annual Fees
  • Borrow up to 80% or your home's equity
  • Flexible Repayment terms

Discover the possibilities, and contact us today.

*APR (Annual Percentage Rate). Rate is accurate as of 06/01/2018. Introductory offer applies to lines of $40,000 or more, for qualified applicant only. The introductory rate is fixed at 3.99% for the first 48 months. After 48 months, the variable rate can be as low as Prime minus .25% with a floor of 3.50% for the remainder of the loan. The maximum (ceiling) APR is 16%. The rate will be based on the Prime Rate as published in the Wall Street Journal. Loan to Value (LTV) of 80% or below. This is only available for personal use when secured by a single family, owner occupied, or secondary residence dwelling. Property Insurance and flood insurance if applicable, is required. The Credit Union will pay the initial closing costs on this HELOC, however if the line is closed and discharged for any reason within the first 36 months, you will reimburse FLFCU for all third party closing costs paid on your behalf at closing. Rates subject to credit and property approval. The Credit Union reserves the right to change any conditions of these programs, or to withdraw them, without prior notice. Other restrictions and limitations may apply. New money only. Consult a tax advisor regarding the deductibility of interest. Contact us for membership eligibility requirements. An Equal Housing Lender. Offer expires 10/31/2018. This Credit Union is federally insured by the National Credit Union Administration. NMLS ID 493624.  

This Credit Union is federally insured by the National Credit Union Administration.
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