Home Projects

You’ve worked hard to create a place to call home, so we want to help maintain that. Whether you have some planned upgrades or an unexpected repair, our team can get you approved and started on your project quickly with a Home Enhancement loan.


No Equity Required

Fast Funds

Funds Available in
1 Business Day

No Monthly Fees

No Closing Costs or Appraisals


Use for Any Home Improvement

What is a Home Enhancement loan?

A Home Enhancement Loan is a quick, easy, loan that doesn't tie up the equity in your home - it is NOT a home equity. It's perfect for recent buyers who want to do some upgrades or repairs but don't have much equity in their home yet, or those who don't want to use the equity they've worked hard to build.

Start your project sooner!

This loan has a fast turnaround time to get your projects started sooner! Because this is not a home equity loan, you don't have to wait for an appraisal to be done. Simply apply for the amount you need and have the funds available in 1 business day.

What can I finance with a Home Enhancement loan?

Finance any improvement. Whether it's a new roof, installing a pool, upgrading your furnace, re-doing your bathroom, even new furniture, we can finance it!

Doing the project yourself? Great! We can finance that too. We just ask for receipts for products or items you purchased for the project. Some home improvement stores even provide estimates based on the project you're doing.

We can finance as little as $500 up to $25,000* with terms from 1-7 years*, giving you plenty of flexibility to find the monthly payment you want.

Our fixed rate is as low as 6.75%, which is lower than your average store credit card.

Want more information?

If you want more information, simply call one of our loan specialists at (315) 671-4000 and we'll be happy to go over terms, monthly payments, and more!

*Credit score determines rate. 0.25% Automatic Payment discount may apply. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice. Term of up to 60 months; estimated monthly payment of $19.00 per $1,000.00 borrowed. Must be a homeowner. 6 and 7 year terms available for qualified buyers borrowing over $20,000; maximum amount of $30,000.

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