Standard Home Equity Loan (monthly payments) - Want to write yourself a one-time loan to meet your personal borrowing needs? This lending option lets you borrow up to 85% of the value of your home (less any first mortgage balance). The rate is fixed for easy repayment scheduling.

• Available terms up to 15 years.
• No closing costs when owner-occupied!
• Count on having your initial Home Equity Loan decision in as little as 24 hours once we have received your completed application.
• The interest you pay may be tax deductible (consult your tax advisor).

Bi-weekly Home Equity Loan (payments every two weeks) - If your priority is paying off loans sooner, the bi-weekly Home Equity Loan could be for you.

• If the loan amount is between $10,000 and $29,999, the maximum term is 15 years.
• If the loan amount is $30,000 or greater, the maximum term is 30 years
• This lending option lets you borrow up to 85% of the value of your home (less any first mortgage balance).
• The 15-year bi-weekly Home Equity Loan pays down in approximately 12.5 years!
• The 30-year bi-weekly Home Equity Loan pays down in approximately 22 years!
• No closing costs when owner-occupied!
• Count on having your initial Home Equity Loan decision in as little as 24 hours once we have received your completed application.
• The interest you pay may be tax deductible (consult your tax advisor).

Please Note:
The Bank will consider consumer loan requests from all applicants with a United States citizenship who either reside or work in the Bank's designated lending area. This area consists of Albany, Broome, Cattaraugus, Cayuga, Chautauqua, Chemung, Chenango, Columbia, Cortland, Delaware, Dutchess, Erie, Essex, Fulton, Genesee, Greene, Hamilton, Herkimer, Lewis, Livingston, Madison, Monroe, Montgomery, Niagara, Oneida, Onondaga, Ontario, Orange, Orleans, Ostego, Oswego, Putnam, Rensselaer, Saratoga, Schenectady, Schoharie, Schuyler, Seneca, Steuben, Tioga, Tompkins, Ulster, Warren, Washington, Wayne, Wyoming and Yates counties in New York State.