Our lobby is open!
Visit our COVID-19 page for what to expect when you arrive.

Finance Your Project

Are you excited to start your home project but aren’t sure how to pay for it? Maybe you’re comparing options to see what works best for your budget. Our Home Enhancement Loan is a simple, affordable way to finance your home improvement.

Simple

It’s quick, easy, and doesn’t require using your home as collateral. It’s an unsecured loan that you can use for any home improvement.

Quick

Start your project sooner. We can have you approved and the funds available within 1 business day.

Affordable

This fixed rate loan offers a lower interest rate than most credit cards and none of the costs associated with a home equity. Finance your project with a manageable monthly payment.

WHAT IS A HOME ENHANCEMENT LOAN?

It’s an unsecured loan that you can use to pay for any home improvement.

  • No lien against your home
  • Doesn’t use your house as collateral
  • No closing costs
  • No appraisal
  • Fixed rate of 6.50% APR*
  • Lower rate than most credit cards
  • Get approved and have the funds in 1 business day

If you don’t want to use the equity you have built up over the years for home improvements, or you’re a recent homeowner with little equity, this is a perfect loan for smaller dollar amount home improvements.

 

WHAT PROJECTS CAN I FINANCE?

  • Fences
  • Roofs
  • Heating and Air Conditioning
  • Remodeling and Upgrades
  • Repairs
  • DIY projects
  • Any home improvement!

Doing the work yourself? We can still provide the financing. We just need receipts for anything you purchase for the project. Some home improvement stores even offer project estimate calculators so you know how much money you need.

HOW MUCH CAN I BORROW?

Any amount from $500-$15,000.* Take up to 5 years to pay it back.

Use our loan calculator to estimate a monthly payment based on the amount you need to borrow.

Have a larger project that’s more than $15,000? We offer a home equity loan and a line of credit that is great for larger home improvements.

MORE QUESTIONS?

Call (315) 671-4000 or chat with us, Monday-Friday 9am-4pm!

*APR = Annual Percentage Rate. Must be a homeowner. Credit score determines rate and maximum loan amount. Rate shown includes 0.25% discount for automatic payments. Term of up to 60 months; estimated monthly payment of $20.00 per $1,000 borrowed. Equal Housing Lender. Not responsible for typographical errors. All Credit Union loan programs, rates, terms and conditions are subject to change at any time without notice.
 

You are now exiting the page.

External Link Disclosure – By accessing the link below you will be leaving the Credit Union web site and entering a web site hosted by another party. We encourage you to read and evaluate the privacy and security policies on the site you are entering, which may be different than those of the Credit Union.

We’re on social media!