Get financing here in the Hudson Valley!

It’s simple: if your home is valued at more than what you owe, you have built up equity. Why not use that equity to secure a competitive loan rate? At Ulster FCU, we'll help you turn your home's equity into affordable financing — whether you use it for debt relief, home improvements, or tuition. Whatever your need may be, our home equity loans and lines of credit offer competitive rates and terms suited to your unique situation.

Summary
  • Use home equity loans to finance various projects
  • Leave savings and emergency funds intact
  • Competitive low rates
  • Flexible terms for affordable payments
  • Potential tax advantages*
  • No prepayment penalty
  • Receive funds in one lump sum
  • Prompt, local decision-making and processing
  • Detailed, attentive service from start to finish
Home Equity Lines of Credit
  • Secured by the existing equity in your home
  • Funds available without reapplying: apply once, then use as needed thereafter
  • Available for a wide range of short-term or one-time needs:
    • Home improvements
    • Tuition
    • New vehicles or vehicle repairs
    • And much more!
  • Revolving credit – available balance replenishes as you make payments
  • The interest paid might be tax deductible*
  • Only pay interest on the part that you use
  • Terms tailored to your specific needs
  • Prompt, local decision-making and processing
  • Detailed, attentive service from start to finish

*Consult a tax advisor.