Bathroom or Kitchen Makeover? New Deck? Honeymoon?

At Chemung Canal, the possibilities are endless.  No matter what your needs may be, we have your loan!

Tell us–how would you fill in the blank?

Take advantage of our promotional rates going on now through June 30th! Applications must be received and approved by 6/30/2015, with closing on or before 7/31/2015.

Home Equity Flex+ Line of Credit

2.00%* promotional rate until 12/31/2015

Apply Now

Credit score of 725 or above. Minimum $10,000 new credit line or increase of existing line by $10,000. If existing line is less than one year old, new closing costs must be paid. LTV 80% or less.

*APR = Annual Percentage Rate
The APR will be 2.00% through 12/31/2015. Beginning on 04/01/2015, interest will begin accruing on any remaining balance from advances made during the promotional period, and the APR will adjust to 4.00%, on January 1, 2016. The APR will vary based on the highest Prime Rate published in the Wall Street Journal on the last day of the prior month, as previously disclosed when your Home Equity Flex+ Line of Credit was established. You will be required to reimburse CCTC for certain fees paid to third parties if the credit line is terminated within three years after opening date. These can be as low as $820 for a $10,000 credit line or as high as $2,722.80 for a $200,000 credit line. All lines require a collateral mortgage be filed. Interest rates subject to change without notice. The lifetime cap is guaranteed not to exceed 16.0% APR, with a floor of 4.00% APR. Homeowners hazard insurance required on all properties and flood insurance required on all properties in flood zones. This offer may be withdrawn at anytime, without notice.

Home Equity Loans

0.50% Rate Discount!

Apply Now

Credit score of 725 or above. Auto-pay from CCTC checking account required. Minimum $10,000 new loan or increase of existing loan.

All loans require a collateral mortgage be filed. Interest rates subject to change without notice. Homeowners hazard insurance required on all properties and flood insurance required on all properties in flood zones. This offer may be withdrawn at anytime, without notice.

Consumer Loans

0.50% Rate Discount!

Apply Now

Credit score of 725 or above. Auto-pay from CCTC checking account required. Minimum $2,500 for new loans. Existing loans must be increased at least $2,500. Loans $10,000 and above must be fully secured. Interest rates and programs are subject to change without notice. Loans under $5,000 – maximum term up to 60 months. Loans $5,000 to $10,000 – maximum term up to 120 months.



Share