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Home Equity Loans and HELOC
Home > Borrow > Real Estate Loans > Home Equity Loans and HELOC

Reach your goals with home equity

A TCT home equity loan or line of credit (HELOC) allows you to use the value you've built up in your home as collateral for a loan. The credit union HELOC provides you with a revolving balance, just like a credit card, that you can use to fund important goals like furthering your education, making home improvements, or consolidating debt. Please check with your tax advisor for qualifications. 

Home Equity Loan

Ideal for a large, one-time purchase or project. Fixed rate with a consistent monthly payment.

  • Terms from 5-15 years
  • Borrow up to 90% of your home's value

APPLY NOW

Home Equity Line of Credit

You can decide when and how much to borrow by writing a check against the loan. 

  • Low 3-year introductory rate
  • Borrow up to 80% of your home's value

APPLY NOW

VIEW HOME EQUITY RATES

 

Home Mortgage Disclosure Act Notice: The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s Web site (www.consumerfinance.gov/hmda). You may also inquire at TCT FCU, Lending Department, 416 Rowland St., Ballston Spa, NY regarding the locations where HMDA data may be inspected.

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“I recently had the pleasure of working with TCT on a home equity loan that consolidated my mortgage, second mortgage, and credit card debt. I now save over $1,100 monthly without extending the remaining time on my mortgage loan. Talk about a lifesaver!”

— William G.

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