Niagara Falls: (716) 297-5944   North Tonawanda: (716) 695-1829

Home Equity Line of Credit and Mortgages

Home Equity Line of Credit in Niagara Falls and North Tonawanda, NY

At Greater Niagara FCU we offer our members a Home Equity Line of Credit (HELOC).  A HELOC allows you, the borrower, to use the equity in your home as cash when you need it.  Many home owners use their HELOC to fund large repairs and improvements to your home.  You can also use the equity in your home to help make your dreams come true – weddings, vacations, education — the possibilities are endless!

A Greater Niagara FCU Home Equity Line of Credit has a fixed rate.  This means that your interest rate will not change for the life of the loan. 

Consult a tax advisor regarding the deductibility of your interest.

If you are unsure if a HELOC is right for you, contact one of our branches at 2901 Military Road, Niagara Falls (716-297-5944) or 160 Ward Road, North Tonawanda (716-695-1829) to make an appointment with a loan officer to discuss your options.

Additional Information: 

  • $125.00 application fee* is reimbursed upon closing
  • Member is responsible for all closing costs


• Any loan fee that is a percentage of the credit limit under the plan and an estimate of any other fees imposed for opening the plan, stated as a single dollar amount or a reasonable range.
• Any periodic rate used to compute the finance charge, expressed as an annual percentage rate. The maximum annual percentage rate that may be imposed in a variable-rate plan

Please apply at Military Rd or Ward Rd


To help our members finance the home of their dreams, Greater Niagara FCU is a proud partner with OwnersChoice Funding.

For current rates and options, call OwnersChoice Funding at their Buffalo branch, 716-839-0701 or visit them on the web at

Today’s Mortgage Rates