Holiday Club Accounts are a fantastic way to save for Christmas shopping throughout the year, so you don't need to stress about the cost of gifts at the end of the year!
This account has no minimum balance, no monthly service fees and they earn a quarterly dividend. On October 1st the funds are automatically transferred to the 00 savings account for ease of access to get a head start on shopping! If you don't already have a Holiday Club Account, call or stop in and get one set up so you can give yourself the peace of mind for next year!
Finger Lakes Federal Credit Union has the HELOC made to fit your needs!
Home Equity Line of Credit
Make your dreams a reality with our low Home Equity rates. Whether your looking to remodel your home, take that dream vacation, pay for college or plan your dream wedding our Home Equity Line will give you the flexibility to achieve your goals. Our low rate introductory rates are as low as 2.49% APR* for 6 months. After the introductory period the variable rate will be determined by the Prime Rate minus .25% APR*.
With low rates and flexible terms our team can provide guidance, tailored to your unique financial picture and work to find repayment terms that will fit your needs.
- Flexibility to draw funds as needed. Open end revolving line of credit.
- No Closing Costs or Annual Fees
- Borrow up to 85% of your Home's Equity
- Flexible Repayment Terms
Discover the possibilities, and contact us today
*APR (Annual Percentage Rate). Rate is accurate as of 07/12/2022. The introductory rate is fixed at 2.49% for the first 6 months. After 6 months, the loan will be a variable rate based on Prime minus .25% with a floor of 3.00% for the remainder of the loan. The maximum (ceiling) APR is 16%. The rate will be based on the Prime Rate as published in the Wall Street Journal. Loan to Value (LTV) of 85% or below. This is only available for personal use when secured by a single family owner occupied dwelling. Property Insurance and flood insurance if applicable, is required. The Credit Union will pay the initial closing costs on this HELOC, however if the line is closed and discharged for any reason within the first 36 months, you will reimburse FLFCU for all third party closing costs paid on your behalf at closing. Rates subject to credit and property approval. The Credit Union reserves the right to change any conditions of these programs, or to withdraw them, without prior notice. Other restrictions and limitations may apply. New money only. Consult a tax advisor regarding the deductibility of interest. Membership eligibility is required. Contact us for membership eligibility requirements. An Equal Housing Lender. Limited time offer.
This Credit Union is federally insured by the National Credit Union Administration. NMLS ID 493624.