Pay for What’s Next

Your home can help pay for what’s next. Turn your home’s value into opportunity. From April 1, 2026 through May 31, 2026, all new Home Equity Lines of Credit are 1.00% APR off!

Have you ever had your home appraised? It may be worth more than you think and the value in your home can be a key asset in navigating your financial future! Use the equity in your home to tackle renovations, debt consolidation, or any project big or small.

Variable Rate Line of Credit:

5.75% APR starting rate
Rate may change 2x/year based on Prime Rate (July & January)
Rate will always be 1.00% APR less than Prime Rate
Up to 15-year term
$10,000-$200,000 (up to 85% of available equity)
No closing costs*
No appraisal fee**
No application fee

Fixed Rate Line of Credit:

6.25% APR
Up to 15-year term
$10,000-$200,000 (up to 85% of available equity)
No closing costs*
No appraisal fee**
No application fee

Mini Line of Credit:

6.00% APR
5-year term
$1,000-$30,000 (up to 90% of available equity)
No closing costs*
No appraisal fee**
No application fee

Your credit score won’t affect the rate, meaning our HELOCs can be helpful when times are tough. Amherst FCU can service HELOCs for any primary residence in Erie County, Niagara County, and Wyoming County, not just Amherst. We refinance as well, so if you have a home loan with another financial institution and want to get in on our lower rates, we are happy to help.

* Member must keep HELOC open at least 3 years to avoid repayment of certain closing costs.
**Amherst FCU will cover the cost of a home appraisal unless the appraisal does not reflect enough value to pursue the HELOC.