*Important Legal Disclosures & Information

For complaints and inquiries concerning your mortgage or home equity, please share your experience with us. You may also contact the New York State Department of Financial Services Consumer Assistance Unit at 800.342.3736 or by visiting the Department's website at www.dfs.gov.

The tools and calculators on the HVCU website are provided for educational and illustrative purposes only. The accuracy of the calculations and their applicability to your financial circumstances are not guaranteed. HVCU does not provide tax, legal, accounting, financial, investment or other professional advice. The tools and calculators should not be used as a substitute for tax, legal, accounting, financial, investment or other professional advice. Your use of the tools or calculators does not assure the availability of, or your eligibility for, any specific product offered by HVCU or its affiliates. The terms and conditions of specific products may differ and affect the results obtained by using these tools and calculators. All financing is subject to credit approval. The default figures, amounts and information shown in the tools and calculators are hypothetical and may not be applicable to you. Please consult with qualified professionals to discuss your particular situation.

LTV = Loan to Value TLTV = Total Loan to Value

¹Check with your tax advisor for individual eligibility.

²Closing costs associated with this product are waived, provided loan is maintained for a minimum of three years. HVCU will pay for property appraisal, credit report, flood certification, attorney fee, mortgage tax, recording fee, and title search. Homeowner’s insurance required. Borrower is also responsible for title insurance for loans over $500,000; and for flood insurance (if applicable). 

³When compared to $52,625.98 spent on interest for a $50,000 Home Equity Loan with a 20 year term at 8.25% APR and an estimated payment of $427.60/mo.

⁴APR=Annual Percentage Rate. Total amount financed is based on evaluation of applicant credit, appraised value, and existing liens (LTV). LTV = Loan to Value. Your rate and total amount financed may vary.

⁵The stated rate is discounted by .25% and includes a requirement that loan payments are automatically transferred from your savings, checking, or tiered money market account for the life of the loan. The monthly payment is not decreased as a result of this discounted rate.

⁶Not to exceed 125% of appraised value of the property, including any existing first and second lien balance. APR = Annual Percentage Rate. Rates for this product are as low as 9.00%, subject to applicant credit and total amount financed. Rates are accurate as of 4/24/25, and are subject to change without notice. As an example, a $30,000 180-month solar panel loan with a fixed rate of 9.00% APR would result in an estimated payment of $304.28. Payments do not include taxes and insurance premiums, if applicable, and your actual payment may be higher.

⁷Check with your tax advisor for individual eligibility.
Closing costs associated with this product are waived, provided loan is maintained for a minimum of three years. HVCU will pay for property appraisal, credit report, flood certification, attorney fee, mortgage tax, recording fee, and title search. Homeowner’s insurance required. Borrower is also responsible for title insurance for loans over $500,000; and for flood insurance (if applicable). 
When compared to $52,625.98 spent on interest for a $50,000 Home Equity Loan with a 20 year term at 8.25% APR and an estimated payment of $427.60/mo.
APR=Annual Percentage Rate. Total amount financed is based on evaluation of applicant credit, appraised value, and existing liens (LTV). LTV = Loan to Value. Your rate and total amount financed may vary.
The stated rate is discounted by .25% and includes a requirement that loan payments are automatically transferred from your savings, checking, or tiered money market account for the life of the loan. The monthly payment is not decreased as a result of this discounted rate. The maximum APR is 18%. After the Interest Only Home Equity Line of Credit introductory period, the APR is based on the US Prime Rate as published in the Wall Street Journal, plus a margin. The Flex Lock Home Equity Line of Credit APR is based on the US Prime Rate as published in the Wall Street Journal, plus a margin. The introductory rate will be in effect the first 6 billing cycles after your account is opened, whether or not funds have been advanced from your account during that time. Thereafter, the rate, including the rate on any existing balance, will convert to the applicable Variable Rate.
Not to exceed 125% of appraised value of the property, including any existing first and second lien balance. APR = Annual Percentage Rate. Rates for this product are as low as 9.00%, subject to applicant credit and total amount financed. Rates are accurate as of 4/24/25, and are subject to change without notice. As an example, a $30,000 180-month solar panel loan with a fixed rate of 9.00% APR would result in an estimated payment of $304.28. Payments do not include taxes and insurance premiums, if applicable, and your actual payment may be higher.
HVCU expressly reserves the right to change or terminate this offer at its discretion at any time and without further notice provided to you.