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Backyard Landscape with fence

Home Equity Line of Potential.
Fixed Rate & ZERO Closing Costs!
(No Appraisal Fee, No Mortgage Tax...Nothing)

Imagine the possibilities: A kitchen upgrade. A backyard makeover. College tuition. Access the equity you've built to make big things happen.

Our Home Equity Line of Credit allows you to borrow up to 100% of your home's appraised value. Use what you need, then pay it back monthly — and you'll only pay interest on the amount you spent.

  • $0 closing costs*
  • Fixed rates from  % APR*
  • Draw funds up to 10 years
  • Choose a term from 5-20 years


Get your Home Equity Line of Credit. To see if you are pre-approved (and can skip the usual application), log in to Connect-24 Online Banking. Then from the menu, click LoanXpress. Or, click the “Apply Now” button or call (800) 634-2340.

 

 

*The Annual Percentage Rate (APR) shall be set at the time of funding and may be as high as the current Prime Rate plus 3%. No closing costs on home equity lines of credits (HELOCs) up to $250,000. 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. Estimated recapture fee examples include $457 in closing costs and a maximum average of $2,475 in New York state mortgage tax for Albany, Schenectady, and Rensselaer counties. Actual closing costs and mortgage tax may be different.
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. Sample payment for a 15-year fixed loan at 4.00% is $7.40 per $1,000. Other rates are available and subject to change without notice.
CAP COM FCU NMLS Identifier: 401261.