Home Equity Loans

You've worked hard to establish equity; make it work just as hard for you with our home equity options. We offer both home equity loans and lines of credit to help you finance a wide range of other personal needs, affordably.

Whether for one-time installments or for ongoing needs, rest assured our financing includes competitively low rates and terms that always keep your unique situation in mind. Plus, we process everything right here in the Finger Lakes region. Forget the red tape and hoops to jump through — we provide streamlined solutions for our customers.

Home Equity Loans
  • Competitively low rates for a wide range of personal needs:*
  • Home improvements
  • Education and medical expenses
  • Important life events
  • Small business expenses
  • Vacation expenses
  • Bill consolidation
  • And more!
  • Utilize the equity in your home as collateral backing
  • Personalized repayment terms, consistent with your unique situation
  • The interest paid might be tax deductible**
  • Local, Finger Lakes region decision-making and processing
  • Focused, customized attention from start to finish

*Subject to credit approval.

**Consult a tax advisor.


Next Steps

To get started either click on the Request Info button above and submit your information online or print our Home Equity Application and return it at your convenience.

Home Equity Lines of Credit (HELOC)
  • Competitively low rates for a wide range of ongoing expenses:*
  • Home improvements
  • Education and medical expenses
  • Important life events
  • Small business expenses
  • Vacation expenses
  • Bill consolidation
  • And more!
  • Utilize the equity in your home as collateral backing
  • Personalized repayment terms, consistent with your unique situation
  • Access funds anytime without reapplying for another installation
  • Funds available via a line of credit check or advances made in-person or by phone
  • Receive a monthly statement of all transactions (if your line has a balance)
  • Only pay interest on the part that's used
  • The interest paid might be tax deductible**
  • Local, Finger Lakes region decision-making and processing
  • Focused, customized attention from start to finish

*Subject to credit approval.

**Consult a tax advisor.