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Home Equity Loans

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.

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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.

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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.