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You've got dreams.

We've got solutions.


Refinance with a Home Equity Loan

We can help you finance your dreams and, for a limited time, there are ZERO closing costs1 on our Home Equity Line of Credit!

Whether you have a project in mind already or you want to have instant access to cash over the next four years, apply today – so you don’t look back and wish you had.

  • Fixed rates from 3.375% APR2
  • Draw funds up to your limit for four years
  • Borrow up to 90% of the appraised value of your home
  • Choose a term from 5-20 years
  • Quick turnaround
1. No closing costs on HELOCs up to $200,000. Discharge fees and overnight shipping charges are excluded where applicable. If the HELOC is paid and closed within 3 years of the closing date there is a recapture fee in which you will have to reimburse the Credit Union for all closing costs paid on your behalf.
2. Annual Percentage Rate
A first position loan is the primary lien against your property - this is usually a traditional mortgage or can be in the form of a Home Equity Loan. A second position Home Equity Loan is on top of your first mortgage.
Mortgages in New York State only. All Lines of Credit require a minimum initial advance of $5,000 and a minimum limit of $10,000. Other rates are available. Sample payment for a 15-year fixed loan at 4.00% is $7.40 per $1,000. Rates are subject to change without notice.
CAP COM FCU NMLS Identifier: 401261.