Privacy Policy		• Vehicle Loans • Home Equity • Home Improvement • Higher Education • Signature Loan • Share Secured Loan • Mortgages • Overdraft Loan • Credit Cards • Energy $mart • Current Rates • Calculators Email The Loan Department (For general questions or product information only. For your own protection and your membership, please do not send any personal or financial information (this email address is not secure). Home Equity Use the value in your home to finance an education, purchase a new car or make improvements around the house. Whatever the reason, one of the following loans will be perfect for you. SSFCU offers: Fixed Rate Home Equity for up to 90% of the appraised value of your home minus unpaid existing mortgage. SSFCU will cover most closing costs (i.e., home appraisal, title search, flood zone determination and credit report fees). Repayment period of 5 to 20 years. *NYS mortgage tax not included. If closed within 3 years, the member will be responsible to reimburse the credit union for closing costs. Variable Rate Home Equity Line of Credit up to 90% of the appraised value of your home minus unpaid existing mortgage. Up to a 10 year draw period which you can borrow money and up to 20 years to repay. The minimum credit advance that you can receive is $10,000 for the first advance and $500 for each subsequent advance. SSFCU will cover most closing costs (i.e., home appraisal, title search, flood zone determination and credit report fees). *NYS mortgage tax not included. If closed within 3 years, the member will be responsible to reimburse the credit union for closing costs. Members Choice Home Equity up to 80% of the appraised value of your home minus unpaid existing mortgage. Offers the flexibility of a line of credit and the option to lock all or a portion of the line into a fixed rate loan. YOU DETERMINE the amount of the option, the length of the repayment term and the repayment method. *NYS mortgage tax not included. If closed within 3 years, the member will be responsible to reimburse the credit union for closing costs. Call for more information on the advantages of Members Choice. Home Improvement Loan Fix up that spare bedroom, add a deck or patio to your house, or finally repair that leaky roof. Take advantage of a Home Improvement Loan from SSFCU where you can borrow up to $15,000 for terms up to 120 months. Mortgages Check the status of your CUC Mortgage, pre-qualify for a loan or check the status of an existing loan and rates online! This site also has financial calculators that you can use to help figure out your payments. http://www.cucmortgage.com Energy $mart Loan The New York Energy Smart Loan Fund Program is ideal for members who plan on making home improvements that will increase energy efficiency. NYSERDA (New York State Energy Research and Development Authority) offers a substantial interest rate reduction on loans for projects that improve and increase energy efficiency. Many types of energy efficient improvements and renewable technologies are eligible, such as some of the following measures: energy-efficient appliances such as refrigerators, clothes washes and dryers heating and air conditioning systems lighting, windows, and hot water heaters insulation, duct sealing, and weather stripping motors and energy management systems solar and wind systems irrigation equipment Measures that pay for themselves in ten years or less through reduced energy use, subject to approval by NYSERDA. Simple to apply for, plus the paperwork is easy. To qualify for an Energy Smart Loan, apply for a School Systems signature, home improvement or home equity fixed rate loan, and complete a NYSERDA application before you start your project.