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Last Updated: 04/18/2025

SFCU Fixed Rate Home Equity Loans

from Sidney Federal Credit Union

Last Updated: 04/18/2025

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Highlights

Credit Score Range

N/A

Amount Range

N/A

Maximum LTV

100%

Loan Term (Years)

Up to 15

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%.
Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for SFCU Fixed Rate Home Equity Loans.

SFCU Fixed Rate Home Equity Loans Pros & Cons

Pros

Cons

Available in 55 states.

Charges an origination fee.
Charges prepayment fees.

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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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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SuperMoney Net Recommendation Score

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-1000+100

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