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Last Updated: 04/18/2025

Western Division FCU Home Equity Fixed Rate Loan

from Western Division Federal Credit Union

Last Updated: 04/18/2025

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Highlights

Credit Score Range

N/A

Amount Range

Starting at $10,000

Maximum LTV

95%

Loan Term (Years)

Up to 15

Western Division FCU Home Equity Fixed Rate Loan Review

Western Division FCU Home Equity Fixed Rate Loan is offered by Western Division Federal Credit Union , a credit union founded in 1937 and based in Williamsville, NY. Western Division FCU Home Equity Fixed Rate Loan are available in 50 states and Washington, DC.

Key Takeaways

Only primary residences considered. Western Division FCU Home Equity Fixed Rate Loan does not offer financing for vacation homes or investment properties.
Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
High maximum LTV ratio. Western Division FCU Home Equity Fixed Rate Loan has a maximum loan to value ratio of 95%.
Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Western Division FCU Home Equity Fixed Rate Loan.

Western Division FCU Home Equity Fixed Rate Loan Pros & Cons

Pros

Cons

Available in all 50 states.

Charges an origination fee.
Charges prepayment fees.

Western Division FCU Home Equity Fixed Rate Loan FAQ

What are the home equity loan requirements of Western Division FCU Home Equity Fixed Rate Loan

This lender's maximum loan to value rate is 95%. That means the total debt secured by the property cannot exceed 95% 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 $75k.

Generally, the APRs of home equity loans do not include points and financing charges, just the interest rate.

What fees does Western Division FCU Home Equity Fixed Rate Loan charge for a home equity loan?

Western Division FCU Home Equity Fixed Rate Loan may charge a loan origination fee

What types of property can you use as security for a home equity loan with Western Division FCU Home Equity Fixed Rate Loan?

Lenders often have restrictions on the type of properties they will accept as security for a home equity loan. Western Division FCU Home Equity Fixed Rate Loan will consider loans secured by the following property types:

Primary home.

Is Western Division Federal Credit Union a legit company?

Western Division Federal Credit Union was founded in 1937, it is a well-established company that has been in business for 89 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

6750 Main St

Williamsville, NY 14221

(716) 632-9328

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

9:00AM - 4:00PM

Tuesday

9:00AM - 4:00PM

Wednesday

9:00AM - 4:00PM

Thursday

9:00AM - 5:00PM

Friday

9:00AM - 5:00PM

Saturday

Closed

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SuperMoney Net Recommendation Score

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-1000+100

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