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  Monday – Thursday: 9am–5pm.   Friday: 9am–5:30pm.   Saturday: 9am–12:30pm   585.223.9151   585.425.7253

Home Equity Disclosures


Home Equity Fixed Loans


Interest is tax deductible subject to certain limitations. Consult your tax advisor for details. Should you pay off your loan for any reason prior to the third anniversary of the loan, you will repay the credit union a prorated portion of the third party fees incurred to open the loan. Closing cost fees paid to third parties range from $300 to $1000. Hazard, flood, and title insurance, if applicable, are required on your property. A home equity loan is secured by a mortgage on your home. Available only for one-to-four-family owner-occupied residences within New York State. Rate subject to change without notice.



Home Equity Line of Credit


Your Annual Percentage Rate can be as low as Prime Rate -.30% for the life of your loan. The Annual Percentage Rate (APR) may vary monthly and will be based on the highest Prime Rate published in The Wall Street Journal (3.25% as of February 2013), for the life of the line of credit. Minimum line amount is $7,500. Closing cost fees paid to third parties range from $300 to $2,600. The APR for all lines will not exceed 18.0%.

Interest is tax deductible subject to certain limitations. Consult your tax advisor for details. Should you terminate your line for any reason prior to the third anniversary of the line, you will repay the credit union a prorated portion of third party fees incurred to open the li ne. Hazard, flood, and title insurance, if applicable, are required on your property. A home equity line is secured by a mortgage on your home.

Fairport Federal Credit Union

70 S. Main St.
Fairport, New York 14450
Telephone: (585)223-9151
Fax: (585)425-7253
Email : infoffcu@rochester.rr.com






Fairport FederalCredit Union is committed to providing a website that is accessible to the widest possible audience in accordance with ADA standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other auxiliary aid and are having problems using this website, please contact us at (585-223-9151 ). All products and services available on this website are available at all Credit Union branches. To learn more contact us.

Your savings are federally insured up to $250,000 NCUA (National Credit Union Administration) a US government agency.Equal Housing Lender

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