Home Loan Rates
HOME LOAN RATES

 

Call (518) 783-2211 or 1-888-783-2211 for more information.

FIXED RATE HOME EQUITY LOANS
No closing costs except the mandatory NYS Mortgage Tax.
Maximum loan is $350,000; 1st lien position

Maximum loan amount $100,000 2nd lien position
Max CLTV 85%
Term (Months)
Annual Percentage Rate * As Low As
LTV
Monthly Payment
Per $1,000
Payment Calculator
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* Annual Percentage Rate on a loan in first position. Other rates are available. 
* Your rate will depend upon your credit history and the term of your loan. Rates are subject to change without notice.

 

ONE YEAR ADJUSTABLE RATE HOME EQUITY LINE
No closing costs, except the mandatory NYS Mortgage Tax.
Maximum loan is $250,000; 1st lien position

Maximum loan amount $100,000 2nd lien position
Max CLTV 85%
Term (Months)
Annual Percentage Rate *
As Low As
Payment Calculator
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The initial rate (introductory rate) is variable periodic rate for 12 months. After the initial rate (introductory rate) , the variable periodic rate is calculated using the prime rate as published in the Wall Street Journal plus a margin. The variable rate changes annually. The minimum rate (floor) is 4.00%. The lifetime rate cap is 18%. There is a ten-year draw period with a 25 year repayment period. The current Annual Percentage Rate is 2.99%. After your first anniversary, you may convert any portion of the balance to a Fixed Rate Home Equity. Your rate will depend upon your credit history. Rates are subject to change without notice.
* Your rate will depend upon your credit history and the LTV of your loan. Rates are subject to change without notice.

 

THREE YEAR ADJUSTABLE RATE HOME EQUITY LINE
No closing costs, except the mandatory NYS Mortgage Tax.
Maximum loan is $250,000; 1st lien position
Maximum loan amount $100,000 2nd lien position
Max CLTV 85%
Term (Months)
Annual Percentage Rate *
As Low As
Payment Calculator
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* Variable periodic rate adjusts every three years and is calculated using the Prime Rate as published in the Wall Street Journal plus a margin. The floor, (the lowest Annual Percentage Rate will be ) is 4.75%. The lifetime rate cap is 18%. There is a six year draw period with a 15 repayment period. Your rate will depend upon your credit history and the LTV of the loan. Rates are subject to change without notice.

Your interest cost may be tax-deductible. Consult your tax advisor for more information.
CLICK HERE FOR CURRENT MORTGAGE RATES

Call (518) 783-2211 for more information.

New York State Mortgage Tax is required and paid by the borrower. The remaining closing costs paid by CRFCU on behalf of the borrow will be charged back and added to the payoff amount of the loan if the home equity line is paid and closed within three years of loan closing. Closing costs are estimated at $200 - $800.