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! The equity in your home can help with you with Debt Consolidation, Home Renovations, Tuition Costs, Medical Bills, and much more!
From October 1st - November 30th, we are discounting all new Home Equity Lines of Credit by 1.50% APR off! That means 15-year fixed rates as low as 6.25% APR, and a variable rate of 5.75% APR.
We also offer a “Mini” Home Equity Line of Credit, which has a lower fixed rate of 6.00% APR and shorter term of 3-5 years/ for smaller, less costly projects.
Your credit score won't affect the rate either, meaning our HELOCs can be helpful when times are tough. There’s also no application fees, no closing costs, and we’ll even pay for the appraisal as long as you complete the process and keep the line of credit open for at least 3 years.
We refinance as well, so if you have a Home Equity Loan with another financial institution and want to get in on our lower rates, we are happy to help.
This sale is only available for a limited time, October 1, 2025 – November 30, 2025, so make sure you apply before then to take advantage of these low rates.
Give us a call at 716-634-3881 to talk to a loan officer and get the process started!
Click Here to Print the Application!If you are viewing this page after the promotional period has ended, click here to view our current rates.
Current RatesBecome a member (and owner) by completing a brief membership form at the Amherst FCU office, 6470 Main Street, Suite 5, Amherst NY 14221. All you need is your photo ID & $6.00! Be sure to bring your most recent pay stubs to accompany your loan application.
*APR represents Annual Percentage Rate. Amherst FCU membership required to process application. All applications are subject to approval. Interest rates are based on loan term and credit qualifications. Promotion valid through November 30, 2025. Please call AFCU at 634-3881 for details.