When your home's value goes up - or your mortgage balance goes down - your equity grows.
A HELOC lets you access that equity without refinancing your entire mortgage. It's your money - made flexible.
Save 1% off Southern Chautauqua Federal Credit Union’s variable Home Equity Line of Credit (HELOC) interest rate for the first 12 months from loan booking. After the 12‑month promotional period, the rate adjusts to a variable rate based on the current Prime Rate plus a margin determined by credit score and other qualifying factors. HELOC rates are variable and may increase or decrease over time. Southern Chautauqua Federal Credit Union will pay eligible closing costs on approved HELOCs; specific term requirements must be met. Penalties may apply if minimum term or balance requirements are not met. All loans are subject to membership eligibility, credit approval, and program requirements. Rates, terms, and conditions are subject to change at any time. Offer valid for new HELOCs only. Federally Insured by NCUA. Equal Housing Opportunity. NMLS #442826. Lakewood Branch: 168 E. Fairmount Ave., Lakewood, NY 14750.
