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Home Equity Loans
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Last Updated: 04/18/2025

SFCU Fixed Rate Home Equity Loans

in Home Equity Loans from Sidney Federal Credit Union

Last Updated: 04/18/2025

Sidney Federal Credit Union logo
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Credit Score Range

N/A

Amount Range

N/A

Maximum LTV

100%

Loan Term (Years)

Up to 15
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SFCU Fixed Rate Home Equity Loans Review

SFCU Fixed Rate Home Equity Loans is offered by Sidney Federal Credit Union (NMLS #609016), a credit union founded in 1949 and based in Sidney, NY. SFCU Fixed Rate Home Equity Loans are available in 50 states, 5 US territories, and Washington, DC.

Key Takeaways

  • No primary residences considered. SFCU Fixed Rate Home Equity Loans does not offer financing for primary homes.
  • No-closing-cost mortgages available. This option allows you to include the closing costs into the new loan, so you don't pay for these expenses upfront.
  • Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
  • High maximum LTV ratio. SFCU Fixed Rate Home Equity Loans has a maximum loan to value ratio of 100%.

SFCU Fixed Rate Home Equity Loans Pros & Cons

SFCU Fixed Rate Home Equity Loans FAQ

What are the home equity loan requirements of SFCU Fixed Rate Home Equity Loans

This lender's maximum loan to value rate is 100%. That means the total debt secured by the property cannot exceed 100% of its value. Let's say you own a property with a current market value of $100k, but you still owe $20k on your mortgage. Your equity would be $80k. In this scenario, if you have good credit, you may qualify for a line of credit of up to $80k.
Generally, the APRs of home equity loans do not include points and financing charges, just the interest rate.

What fees does SFCU Fixed Rate Home Equity Loans charge for a home equity loan?

SFCU Fixed Rate Home Equity Loans may charge a loan origination fee

Is Sidney Federal Credit Union a legit company?

Sidney Federal Credit Union was founded in 1949, it is a well-established company that has been in business for 77 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

42 Union St
Sidney, NY 13838
(877) 642-7328
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Email Support

Hours of Operation

Sunday
Closed
Monday
9:00AM - 4:30PM
Tuesday
9:00AM - 4:30PM
Wednesday
9:00AM - 4:30PM
Thursday
9:00AM - 4:30PM
Friday
9:00AM - 4:30PM
Saturday
9:00AM - 12:00PM

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