Your home’s equity is one of the best – and easiest – ways to take advantage of your most valuable asset.  You use your home’s value to put cash on hand for whatever you want or need.

Home improvements                                   Paying off debt                                   Pool for the kids

Education expenses                                      Emergency fund                                Vacation for yourself

Large purchase                                                 Wedding                                                Just because you can …


 

Home Equity Loan

This loan is perfect for you if you have a specific project or large purchase in mind.  You receive a lump sum of funds and you know exactly what your monthly payment, rate and term will be for the life of the loan.

 

Rates
TermsRate / APR
Up to 5 years4.75% / 5.27%
Up to 10 years5.25% / 5.53%
Up to 15 years5.75% / 5.95%

Apply Now

-or-

Call Us – we take applications by phone during branch hours (716) 632-9328.


 

Home Equity Line of Credit

The Line of Credit is a good choice if you aren’t sure exactly how much money you may need over what period of time you’ll need it.

  • Variable Rate loan²
  • Revolving Line of Credit open 15 years with a repayment of up to 15 years
  • Finance amounts of $10,000 or greater
  • Borrow up to 90% LTV¹
  • Monthly payment may vary
  • No closing cost option
  • Convenient access to funds by check, transfer or branch.
  • Convenient repayment options
  • Life & Disability Insurance available

 

Rate
TermsRate / APR
Up to 15 years5.00% / 5.00%

Apply Now

-or-

Call Us – we take applications by phone during branch hours (716) 632-9328.


 

Home Equity Line of Credit

This Line of Credit is a good choice for small to larger ongoing projects.  Take what you need, when you need it with the stability of a fixed rate.

  • Fixed Rate loan
  • Revolving Line of Credit open 5 years with a repayment of up to 15 years
  • Finance amounts of $5,000 or greater
  • Borrow up to 80% LTV¹
  • Monthly payment may vary
  • No closing cost option
  • Convenient access to funds by check, transfer or branch.
  • Convenient repayment options
  • Life & Disability Insurance available

 

Rates
TermsRate / APR
Up to 5 years5.24% / 5.79%
Up to 10 years5.74% / 6.03%
Up to 15 years6.24% / 6.45%

Apply Now

-or-

Call Us – we take applications by phone during branch hours (716) 632-9328.


Documents

The following documentation will be needed for your application:

  • Latest Property Survey
  • Deed to Property
  • Homeowners Insurance Policy
  • Most current paycheck stubs and two (2) years signed/completed Federal Tax Returns (1st pages only needed.)  Additional schedules and W2’s may be requested.
  • Paid Real Estate tax receipts for the most current 12 month period

 

¹LTV = Loan-to-value.  This means your appraised balance minus any first mortgage balance.

²Home Equity LOC is based on Prime.