Home Equity Rates at Pittsford Federal Credit Union

Rates

Home Equity Line of Credit Rates - Effective 07/01/17. Prime Rate is 4.250%

Home Equity Lines of Credit3Lifetime Index and MarginContract APR

Prime Minus
(Lines $5,000 - $200,000 and LTV up to 85%)

Prime Rate Minus 0.25%

4.000%

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Home Equity Loan/Home Improvement Loan Rates

ProductFixed APRMaximum TermMaximum Financing

Home Equity Loan4

$5,000 - $200,000

5.00%

Up to 60 months

Up to 90%

Home Equity Loan4

$5,000 - $200,000

5.25%

Up to 120 months

Up to 90%

Home Equity Loan4
$5,000 - $200,000

6.00%

Up to 240 months

Up to 85%

Home Improvement Loan5

$5,000 - $50,000

6.50%

Up to 120 months

Up to 100% of the

cost of improvements

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3 The contract rate is variable and may increase or decrease quarterly based on the Prime Rate plus your contract margin but will never be higher than 13.50%. Closing costs for lines up to $50,000 are waived. Closing cost on lines over $50,000 is equal to 0.75% of the amount over $50,000. Early closeout penalty if the line is closed in the first 24 months. Ask your tax advisor regarding tax deductibility of interest paid on this Home Equity Line of Credit. Property insurance and flood insurance, if applicable, are required.

4 Closing costs for loan amounts up to $50,000 are waived. Closing costs for loan amounts over $50,000 is equal to 0.75% of the amount over $50,000. Early payoff penalty applies if the loan is paid off within the first 24 months. Ask your tax advisor regarding tax deductibility of interest paid on the loan. Property insurance and flood insurance, if applicable, are required

5 Closing costs are waived. This loan will be secured by a mortgage recorded on the property being improved. Early payoff penalty applies if the loan is paid off within the first 24 months. Ask your tax advisor regarding the deductibility of interest paid on the loan. Property insurance and flood insurance, if applicable, are required.

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