Home Loan Information UGEFCU

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Home Loan Information

Home Loan Information

Learn more about Home Ownership and Mortgages

Home Equity Loans/Fixed Rate 5.99%APR	First Time Home Buyer Program
- $20,000 minimum loan - $300,000 maximum loan - 10 year maximum term - 600 or above credit score required - Closing costs are the NYS Mortgage Tax	- No down payment or mortgage insurance required - Must be the first home for one and/or both members - Must be a member for at least 1 year - Maximum amount $250,000 - Must have direct deposit and automatic payment *Other restrictions apply. Call for details.
Home Equity Loans/Variable Rate Line of Credit 2.99%APR 1st 12MO PRIME RATE THEREAFTER	First Mortgages
- $300,000 maximum credit line - $20,000 minimum credit line - 10 year/120 months max. draw period with interest only payments - 15 year pay back after the draw period expires - Variable Rate indexed to Wall St. Journal Prime Rate - First 12 months - rate will be 2.99%APR - Thereafter - rate will be Prime Rate (PR) - Prime rate floor; 10.00% ceiling - Closing costs are the NYS Mortgage Tax	- Competitive rates, call our office at 315-733-1596 - Closed end, fixed rate mortgages - Purchase or refinance loans - Minimum 10 year to maximum 30 year mortgage - Affordable closing costs - Borrow from $20,000 to $750,000 - Loans for owner occupied primary and secondary residences

These loan rates are applicable to new money and are expressed as ANNUAL PERCENTAGE RATES (APR).

Call the credit union (315) 733-1596 for details

CONTACT INFORMATION

Location & Credit Union Office Information:
215 Old Campion Road, New Hartford, New York 13413-4953

Office Hours:
Monday - Friday 7:30am-4:00pm

Drive-Thru Window Hours:
Monday - Friday 7:00am-4:00pm
24-hour drive-up ATM

Access to your account by phone,
24-Hours a Day, 7 Days a Week
1-315-733-1592

Telephone: 1-315-733-1596
Toll-Free: 1-800-990-7499
Fax: 1-315-733-0228

E-mail:
ugefcu@ugefcu.com

Supervisory Committee:
supervisoryc@ugefcu.com