Annual Percentage Rate. 3.24% fixed APR for 10 years for credit qualified loans closing in first lien position. This rate applies to loans 61% - 80% Combined Loan-to Value (CLTV). Rates also available for lower CLTVs and terms. Loan payment example: a $50,000 loan at 3.24% APR for 10 years would be $488.36. All loans subject to creditworthiness. New York State Mortgage Tax is paid by the borrower from the loan proceeds. 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 loan is paid and closed within three years of loan closing. Closing costs are estimated at $200 - $600. Rate as of 4/23/2014 and subject to change at any time. For members whose owner occupied residence is located in New York State or the Pennsylvania counties of Susquehanna, Bradford, or Wyoming.