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Enjoy our fixed rates with monthly payments that won't increase and no closing costs!
Home Equity Loan with fixed rates.
It’s the money you need, fast. The low loan rate you like. And the tax savings you may qualify for.
Use the money however you want. Or refinance your high-rate loans from other financial institutions. The loan process is fast and easy. Call 842-1320 or stop by one of our offices for an application today!
* Annual Percentage rate (APR). Loan is subject to application and approval. This is a fixed-rate Home Equity Loan secured by a mortgage lien on your property. Various rates and terms apply. Buffalo Service Credit Union will pay all closing costs. If you terminate the loan within 36 months of your closing date, you must re-pay all closing costs. Property insurance naming Buffalo Service Credit Union as loss payee is required.
Home Equity Line of Credit
If you can dream it, you can do it with a BSCU Home Equity Line of Credit!
A BSCU Home Equity Line of Credit provides an ideal way to pay for virtually any expense, with the advantages of low monthly payments and tax deductibility. Make home improvements, buy a car, pay for a vacation... the possibilities are endless with this flexible financing option.
Save on taxes. Pay no fees or closing costs.
You can borrow up to 85% of the value of your home and deduct up to 100% of the interest you pay for significant savings each year at tax time. (Consult your tax advisor regarding deductibility of interest.) There’s currently no application fee and BSCU pays the closing costs.
Your line of credit is replenished as you repay it, so you can use it again and again without reapplying.
** Subject to application and approval. Minimum APR is 4%. APR will be the Prime Rate for all rates above 4%. The lifetime APR cap is 18% and the annual increase cap is 2%. Your line is secured by a mortgage on your home. Property insurance is required. Buffalo Service Credit Union will pay all closing costs. If you terminate the loan within 36 months of your closing date, you must re-pay all closing costs. Property insurance naming Buffalo Service Credit Union as loss payee is required.
Mini Mortgage
When you need a larger amount of cash, use your home as collateral with BSCU's Collateral Mortgage Secured Loan – a simple alternative to home equity financing. You can borrow up to $25,000 and the rate is based on your loan term. Plus, you may be eligible for tax savings. (Member pays the closing costs. Consult your tax advisor regarding tax deductibility.)
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