Home Equity Fixed Rate Loans

TermAPR* as low as   
5 years*3.275%
10 years**3.525%
15 years**3.775%

Annual Percentage Rate 3.275% fixed APR for terms up to 5 years for credit qualified loans closing in first lien position. This rate applies to loans up to a 50% Combined Loan-to-Value (CLTV). Other rates are available for 60%, 70% and 80% CLTV and for loans closing in first or second lien position.  Loan payment example: a $50,000 loan at 3.275 % for 5 years would be $904.45. SEFCU offers a rate reduction of 0.25% based on the published rate for Active US Military and Veterans (See Paying It Back for more information).
All loans are subject to creditworthiness. New York State Mortgage Tax is required and paid by the borrower. Title insurance may be required. The remaining closing costs paid by SEFCU on behalf of the borrower will be charged back and added to the payoff amount of the loan if the home equity is paid and closed within three years of loan closing. The most common amounts for closing costs are estimated between $200 - $600, but depending on location and other factors it could be higher or lower. Rates in effect as of  6/18/2018. and are subject to change at any time. Product is available for members whose owner occupied primary residence is located in New York State or Pennsylvania counties of Susquehanna, Bradford or Wyoming. Published rates are for new SEFCU loans.