Let's Get Started

Review the information below to help you get ready to apply for a home equity loan or line of credit.

  • Online banking login area circled on homeapage

    it's easy to apply!

    • Log into online banking.
    • Select the Apply Now option in the turquoise menu bar.
    • Select Apply for Loan or Sub Account from the dropdown menu.
    • For your convenience, the application will open with pre-filled information from your account.
    • Don’t have online banking? Click here to continue to a blank application.
    • Your application will take a few minutes to complete.
  • Desk with phone laptop documents

    what you'll need to provide

    • Requested amount to borrow
    • Property information (Must be your primary residence or vacation residence, and must be located within New York State.)
    • Estimated current market value of home
    • Employment and income information
    • All borrowers/co-signers will need to provide their information.
  • Man on mobile device in nature

    helpful information

    • A member of our team will review your application, and we will be in touch with you within two business days.
    • A home equity loan or home equity line of credit (HELOC) is secured by a mortgage on your home.
    • A HELOC has a fixed rate for an intro period, and afterward will have a variable rate.  Learn more about home equity loans and HELOCs.

Don’t have online banking or not a member yet?

Continue to a blank application