Home Equity Line-of-Credit (HELOC)

Our HELOC is a terrific way for members to use the equity in their home to make home improvements or have access to cash for other needs. We offer a very competitive HELOC rate and we pay the closing costs!

  • The minimum HELOC is $10,000 and the maximum is $75,000.
  • This is an adjustable rate line-of-credit with an initial minimum disbursement of $5,000 and $500 minimum disbursements thereafter.
  • Properties must be owner-occupied, and the HELOC credit line and any first mortgage must be the only liens on your home, and together total 90% or less of the property's appraised value.
  • In most cases, interest paid on a HELOC is tax-deductible*. Call the CU if you are interested!

 

 

For more information please contact David at pooc.eeseneg@divad or call 585-461-2230 ext 10

 


Our Members make the difference.

Member Since 2003

"I love doing business with the Credit Union. While I really like to keep my life simple and close to home, I've kept my accounts with the Credit Union even though I recently remarried and moved a little further away. I just feel welcome, established, and connected there. It feels good to support such a human-sized institution where accounts and lending are handled with compassion and common sense - not just by numbers or a computer program. I feel that by depositing my money at the Credit Union, I am helping it be possible for that money to be lent out to help good things happen for other people. I want my son, Dylan, to be positively influenced by that experience, too."

Patty & Dylan Love


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