suffolkcu.org/heloc * APR = Annual Percentage Rate. Rates reflect automatic payment discount of 0.25%. Introductory APR for primary residences is based on your creditworthiness and will range from 5.99% to 8.99% APR. The minimum loan amount is $20,000 and the maximum is $1,500,000. A minimum advance is required and determined by the line amount, please call 631-924-8000 for details. After the introductory period, APR is based on the Prime Rate published in the Wall Street Journal plus a margin that is based on your creditworthiness. The minimum APR is 3.00% and the maximum APR is 18.00%. Making only minimum payments may result in a balloon payment. ** Suffolk Credit Union will pay closing costs, except appraisal fee, on Home Equity lines-of-credit in amounts up to $500,000 on properties in New York State only. If first mortgage is refinanced, property is sold or loan is closed within three years of origination, you will reimburse for all closing costs paid on your behalf. Rates effective as of March 30, 2025. Rates subject to change after the introductory period. Hazard insurance required. Applicants who are not approved at these rates may be offered credit at a higher rate. Offer is subject to change at any time and without notice. APPLY TODAY 5.99% FIXED intro APR* for 15 mo. as low as 7.50% variable APR* after that as low as MARKET LEADING 15 Month Intro Rate make your home work for you. Use cash from your Home Equity Line of Credit for almost any project! Renovations Weddings Vacations Tuition & More! NO Closing Costs!**
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