At Kaleida Health Federal Credit Union (KHFCU), we understand that your home is one of your most valuable assets—and we’re here to help you make the most of it.
Whether you’re looking to make home improvements, cover college expenses, or consolidate debt, our home equity lines of credit (HELOC) options provide you with the flexibility and support you need. With competitive rates, personalized service, and no hidden fees, we make the borrowing process simple and stress-free for healthcare professionals across Western New York.
Home Equity Line of Credit (HELOC)
The possibilities are endless when you unlock the power of your home’s equity. A HELOC gives you the financial flexibility to manage life’s major expenses, from home repairs to educational costs and even debt consolidation.
Flexible Borrowing:
Borrow from $10,000 to $100,000, up to 80% of your home’s equity.
Convenient Access:
Draw funds as needed during a 7-year draw period with a total repayment term of up to 15 years.
No Hidden Fees:
Enjoy no annual fees, no early termination fees, and closing costs paid directly from your loan proceeds.
Low Rates:
Take advantage of some of the lowest borrowing rates available!
Locked in Rates:
Our HELOC loans are designed so that your interest rates never increase by more than 2% in one year and will never go over 14.95% no matter what prime goes up to.
Safe Borrowing:
Eliminate big balloon payments by paying on your principal and interest from the start of your loan.
KHFCU’s HELOC loans are designed to safeguard our members and provide one of the most affordable loan options on the market!
This is your chance to turn your home’s value into a powerful financial tool that works for you. Plus, with no fees and the flexibility to borrow only what you need, when you need it, you stay in control of your finances.
Note: Consult with your tax advisor about the deductibility of interest. Rates are subject to credit approval and may vary based on your creditworthiness.
Buying a new home is one of the biggest financial decisions you’ll make, and at KHFCU, we want to make the process as smooth as possible. We’ve partnered with OwnersChoice Funding to provide our members with competitive mortgage options.
For more information on first mortgages, please contact OwnersChoice Funding directly at 1-800-342-4998 or visit one of our branches for a personalized consultation.
As a credit union built for healthcare professionals, KHFCU is dedicated to providing tailored financial solutions that work for you. With our Home Equity Line of Credit you can count on:
Member-Focused Support:
Our team works closely with you to ensure you’re making informed decisions about your home and your finances.
Transparent Terms:
No hidden fees, clear terms, and competitive rates—everything you need to borrow with confidence.
Local Knowledge:
We’re here for you because we understand the needs of the Western New York community, particularly healthcare professionals like you.
Ready to put your home’s equity to work or take the next step toward homeownership?
Contact us today to learn more about our home loan options, or start your application process online. At KHFCU, we’re here to help you turn your home into a foundation for financial success.
