Home Equity Loans and Lines

Take advantage of the equity in your home with Home Equity Loans and Lines of Credit from Hudson Heritage. We’ll help you finance home improvements or other major expenses. Whether you’re making home improvements, buying a car, paying for college, or paying off unplanned expenses. We have the Home Equity Loan and Line of Credit options to help you get more out of your home.

Type of Loan Term Variable APR * Fixed APR * APPLY
Fixed Home Equity Loan 1Up to 60 MonthsN/A3.99% APPLY
Fixed Home Equity Loan 161 to 120 MonthsN/A4.75% APPLY
Fixed Home Equity Loan 1121 to 180 MonthsN/A4.99% APPLY
Fixed Home Equity Loan 1181 to 240 MonthsN/A5.49% APPLY
Home Equity Line of Credit 2, 3, 410 Year Draw, 15 Year Repayment3.50%N/A APPLY
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HHFCU Accelerator Checking comes with an Overdraft Line of Credit protection can cover those times when you may need more money than you have available in your checking account. With Overdraft Protection, you’ll never worry about returned check fees due to the occasional error.

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Bank with a local financial institution that provides low rates and great service. All you need to start and maintain a lifetime membership with Hudson Heritage Federal Credit Union is a $5 Share Savings Account balance.

*APR = Annual Percentage Rate.  Rates are effective as of the date listed above. Rates are subject to change without prior notice. All extensions of credit are subject to credit approval.  Rates shown are the lowest rates offered for the loan products advertised.  Applicants that are not approved for these loan rates or terms may be offered credit at a higher rate and/or different terms.  All terms are subject to change without notice. Home Equity Loan rates quoted include a .50% reduction for members who pay their loans through automatic transfer from a share or share draft account. Certain loan restrictions may apply, contact the credit union at 845-561-5607 for further details.

1 As an example: a 180-month term and a 70% total loan-to-value for a home equity loan with a fixed rate of 6.25% APR would result in an estimated payment of $8.54 for each $1,000.00 financed.

2 Subject to a 3.00% floor rate.

3 The maximum Annual Percentage Rate (APR) that may be imposed is 18%.

4 There are certain draw down, balance requirements, and loan-to-value restrictions which may apply. For variable-rate loans, the APR may increase after consummation.  Home Equity Lines of Credit closed out prior to their anniversary dates will be subject to the addition of all waived closing costs to the payoff balance. Contact the Credit Union at 845-561-5607 for further details.