In observance of the Thanksgiving holiday, all HRCCU branches will be closed on Thursday, November 26 and Friday, November 27. All locations with the exception of the Troy branch will reopen for normal business hours on Saturday, November 28.

Home Equity

Home Equity

Apply for Home Equity today!

Remodel your home, pay off high-interest debt, college tuition or other large expenses with a Home Equity Loan from HRCCU. Borrow up to 95% of the appraised value of your home with low closing costs.

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Home Equity Rates

TermsAPR
30-year fixed 4.125% APR
20-year fixed 3.99% APR
15-year fixed 3.125% APR
10-year fixed 2.99% APR
5-year fixed 2.875% APR
10/1 ARM 3.50% APR
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Balance 50K or more, up to 60% LTV, 740+ Credit Score. APR = Annual Percentage Rate. ARM = Adjustable Rate Mortgage. First lien position.

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Current Rates

Auto Loans
APR as low as
1.99%
Fixed Rate 36 Month
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Mortgages
APR as low as
2.50%
Fixed Rate 15-year fixed
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Home Equity Line of Credit
APR as low as
2.875%
Fixed Rate 5-year fixed
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VISA Credit Card
APR as low as
8.90%
  VISA Platinum Credit Card
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View All Rates
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Federally Insured by NCUA. Equal Housing Lender © 2020 Hudson River Community Credit Union