Home Equity Line-of-Credit (HELOC)

LOAN APPLICATION (4,648.44 KB)

Click here for a LOAN APPLICATION you can print, complete and return to the CU. (Requires Acrobat Reader)

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*.

 

 

For more information please contact Deniz at pooc.eeseneg@zined or call 585-461-2230 ext 16

 


Our Members make the difference.

Member Since 2001

"The credit union has helped me straighten out my credit so I could own a home. They helped me every step of the way to homeownership right down to recommending and suggesting various avenues to save money and providing me with my first mortgage. They have always been there to make recommendations when I needed financial advice. I'm a member for life because they've made such a difference in my life."

June Capitulik


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