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Learn more about options to lock your rate while your loan is in process. Don't forget you can complete nearly all your banking 24/7 with our banking-on-the-go options. Northern is a nonprofit financial institution focused on making our members’ lives—and our community—better. Just about anyone who lives, works, worships, attends school, or regularly does business in Northern New York. Choose the repayment terms best for you—up to 15 years.

At Northern, we make it simple to make your home go to work for you with a low-rate home equity loan or line of credit. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. This web site, , is the only authorized web site of Municipal Credit Union of New York City, New York. Delivered to the inboxes of thousands of credit union leaders daily. We don't currently offer that type of loan where your property is.
Rates
Cash Secured Loan.Use a savings account or Certificate of Deposit as collateral to get the cash you need with a fixed term and payment. Join our familyIf you aren't already a member, we welcome you to enjoy the benefits only a credit union can offer. At Numerica Credit Union's Home Loan Center, we're dedicated to helping local families finance that perfect home.
Above APRs are based on loan amounts of $100,000. Different rates may apply for loans secured by Co-ops, Second/Vacation homes and 3-4 Family homes and loan amount. Rates may be higher based on applicant's creditworthiness.
Sallie Mae® higher education loans are designed for the needs of undergraduates, graduate students, and parents.
From buying your first home to financing the boat of your dreams, we have loans to help you live well in every season of life. Login to Online Banking, select Quick Apply and securely apply for a loan or credit card. SPOKANE VALLEY, WA — Numerica was the top-producing credit union in the region for SBA loans in 2022 — and among the top overall. The recognition comes from 2022 fiscal year reports recently released by the U.S. Your Credit Union is the only complete mortgage lending solution. We know mortgage lending, and we'll help you move into your new home or refinance your existing property faster and easier than all other lenders.

Transform standard protection into stellar protection by adding an extended warranty through Numerica. Coverage options are available for your auto, RV, ATV, motorcycle — whether the vehicle is connected to a Numerica loan or not. An extended warranty may cover your mechanical or electrical repairs in order to prolong the life of your vehicle. 5 Year Draw period and repayment period of up to 240 months . 1-4 family, owner-occupied residences and seasonal residences. Minimum monthly payment during draw is 1% of outstanding balance or $100, whichever is greater.
Home Equity Loans and Lines of Credit in New York
Rates and terms are subject to change without notice. Above APRs are based on loan amounts of $580,000. Above APRs are based on loan amounts of $280,000.

Headquartered in Spokane Valley, Numerica has more than 170,000 members throughout Eastern Washington, Central Washington and North Idaho. With more than $3.6 billion in assets, Numerica is federally insured by NCUA and an Equal Housing Opportunity lender. Membership is open to anyone who lives, works or worships in the state of Washington or North Idaho. The loan production totaled $12.5 million in support of local small businesses.
Your Application
Personal Line of Credit.Borrow what you need, when you need it. As your balance decreases, the available balance replenishes and allows for future borrowing with a variable rate. Finance your next car or truck with competitive Auto Loan rates to fit any budget.

These rates are in effect as of Friday, December 23, 2022. Some programs may give you instant online approval. Login to complete an unfinished application or see the status of your submitted application. Buying a new home is exciting and the process of financing it is now faster and easier than ever before.
Unlike the big banks, we keep it simple-after all, you've got enough to worry about. We will provide all the information, advice and options you need to lower your payment and get more home for your money. Discover the advantages of our various Loan Options. Let our Loan Consultant help you choose the loan that is right for you. Use Rate Tracker to notify you when a particular rate is available.
Loan debt cancellation coverage can help relieve the burden of monthly loan payments if you are unable to make your payments. Eligible loans include credit cards, autos, motorcycles, ATVs, boats, RVs, and personal lines of credit. Want topay from another financial institution, but don’t want to use online banking? This web portalallows you to make a quick, secure online payment from another financial institution toward your Numerica loan. If you opt to use our convenient online card or funds transfer processing service when making a loan payment, aservice feemay apply. Debt cancellation protection, extended warranty protection, and life insurance protect you during life’s twists and turns.
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