We found a way to make home banking easier and more convenient for you, our members.

This service continues to provide very secure access any time of day or night.

"You will no longer have to use your mouse to click on the numbers/letters of your home banking PIN. You can just type the information using your own keyboard!"

Click here to go to Home Banking.

HOME EQUITY LOAN FIXED RATE

Rates as low as 5.99% Annual Percentage Rate**

Let the equity in your home work to your advantage.

• No closing costs.
• Fixed repayment term and schedule.
• Fixed monthly payment.
• Choose from 5 to 15 years to repay.
• Loans from $7,500
• Tax deductibility (check with your tax advisor).

To apply, call 585-454-5900, press 5; apply online, visit your favorite branch, or print an application and fax to 585-*454-7332.

Let the equity in your home work to your Advantage

1.25% Annual Introductory Rate*

Lowest rate ever! Get it while it lasts!

• NO closing costs • NO Minimum Advance
• 10 years of revolving credit • Interest may be tax deductible
• Conveniently write a check for funds • 15 additional years to repay.

Use to purchase a new computer, swimming pool, car, or boat.
Borrow money for home improvement, education, or that
much-needed vacation.

To Learn More

Frequently Asked Questions

Deposit/Withdrawal Slips

At the request of many of our members, Advantage is now requiring deposit/withdrawal forms as a means of better tracking our members' financial transactions.

Simply fill out your name, date, and account number,
along with your transactions (deposit amount, withdrawal amount, etc.)

The Deposit/Withdrawal forms offer added security in the event of an error
and provide transaction verification.

Thank you for your assistance with this.

Advantage Federal Credit Union

*Home Equity Line of Credit -- The Introductory/special rate of 1.25% APR applies to balances for the first six monthly billing cycles after closing. After the introductory period the Annual Percentage Rate (APR) may vary quarterly and will be based on the highest Prime Rate published in The Wall Street Journal (5.00% as of May 1, 2008) for the life of the line of credit. Minimum line amount is $7,500. Your rate will be based on the conditions of your loan as follows. If your credit line is $7,500 to $24,999 your APR will be Prime Rate +.99%; If your credit line is $25,000 to $49,999 your APR will be Prime Rate +0%; If your credit line is $50,000 to $100,000 your APR will be Prime Rate -.25%. Closing cost fees paid to third parties range from $314.00 to $1,700. This offer not available to members with existing lines of credit

Interest is tax deductible subject to certain limitations. Consult your tax advisor for details. Should you terminate your line for any reason prior to the third anniversary of the line, you will repay the credit union the third party fees incurred to open the line. Hazard, flood, and title insurance, if applicable, are required on your property. A home equity line is secured by a mortgage on your home.

**Fixed Rate Home Equity Loan -- Interest is tax deductible subject to certain limitations. Consult your tax advisor for details. Should you pay off your loan for any reason prior to the third anniversary of the loan, you will repay the credit union the third party fees incurred to open the loan.  Closing cost fees paid to third parties range from $314.00 to $1,700.00. Hazard, flood, and title insurance, if applicable, are required on your property. A home equity loan is secured by a mortgage on your home.  Available only for one- to –four-family owner-occupied residences within New York State . Rate subject to change without notice.

Loan Rates