Home Equity

Home EquityHome Equity Options
Our Home Equity Loans can give you the money you need to finance minor or major expenses like home improvements, education expenses, vacation, debt consolidation or refinance your mortgage. A “peace-of-mind fund” in case an unexpected expense comes out of the blue. Those are just some of the many reasons to open a Home Equity Loan or Line of Credit from OCFCU.
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Home Equity Loan 
You need money for a specific purpose, or you may want to refinance your mortgage. And you want a fixed, monthly repayment amount to simplify budgeting and planning. A Home Equity Loan may be the right borrowing solution for you.


Home Equity Line of Credit (HELOC)
Want some readily available financial fuel for that big idea on your want-to-do list? Want to set up an emergency fund for unexpected expenses? A revolving Home Equity Line of Credit from OCFCU could give you the financial flexibility, convenient access to cash, and peace of mind you need.





1. APR = Annual Percentage Rate. Rates subject to approval.

2. Home Equity Line of Credit must be open for at least 3 years or the member may be obligated to reimburse a portion of closing costs.

The HMDA data about our residential mortgage lending is available for review. The data shows geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of this data, send a written request to the credit union at PO Box 310, Oswego, NY 13126.

Equal Housing Lender | NMLS# 758591