You are now leaving Southern Chautauqua Federal Credit Union.

Cancel or wait and you will be directed to the site shortly.

Home Equity Line of Credit

Home Equity Line of Credit or HELOC

Use the equity in your home to achieve your dreams.

  • Use the HELOC to make improvements, pay tuition, consolidate bills or other purposes.
  • Utilize up to 80% of the value of your home up to a maximum of $75,000.

Differences between a fixed rate home equity loan and HELOC

  • Five year draw period with 15 years to pay back the line of credit.
  • Variable interest rate.
  • No closing costs if the line of credit is open for 3 years with a minimum balance of $5000.
  • Introductory rate discount, some restrictions apply - talk to a Mortgage Lending Originator for details.
  • Several ways to access your line of credit.

HELOC vs Fixed Rate Home Equity Chart

Click here to apply - Members

Click here to apply - Non-Members

View HELOC Rates

Call (716) 665-7000 for more information.

NMLS# 442826


168 E Fairmount Ave
Lakewood, NY 14750

(716) 665-7000

Open today · 9:00 am – 5:30 pm

View branch locations


Southern Chautauqua Federal Credit Union is committed to providing its members with the professional financial services they have come to expect. It will use its resources wisely and be held accountable to its members.