Let Your House, Help You.

Your house is more than just your home, it’s an investment. With a home equity line of credit, your house can help you achieve your dreams and more.


Transform the way you and your family live, love, and learn with a Home Equity Line of Credit from Suffolk CU, where we understand that your home is the heart of your life. From the echoes of laughter in newly remodeled rooms to the tears that spill over during the exchange of vows, let your home help with some of life’s greatest milestones.


A Space That Grows With You

When one new addition leads to another, Suffolk CU is by your side. Our HELOCs let you focus on creating a space that reflects the growth and spirit of your family. It’s part of what makes a house a home.


A Stunning Celebration

We say "yes" so they can say "I do." Tap into your home’s equity to help make their dream wedding a joyous reality – without sacrificing your savings. Plus, handle unexpected expenses with a smile.


An Investment in the Future

Use your home to help them leave it. Whether your child is attending a college close to home or a university on the other side of the globe, feel confident in their future – and yours – by funding their education with a HELOC. It’s almost like they’re taking a piece of home with them.

How Can a HELOC Help?

HELOCs from Suffolk CU give you access to a revolving line of credit with a 10-year draw period, during which you can access funds whenever you need, as often as you need, up to your credit limit.

Lock in a great fixed rate for the first 15 months!

Use checks, Online Banking, or Mobile Banking to draw on funds.

Pay no closing costs* on eligible properties in New York State.


Begin Your Journey

With a HELOC, you aren’t just borrowing funds — you’re investing in moments that matter. Let your home allow you and your loved ones to experience, grow, and celebrate together.

However you plan to use your HELOC, begin your journey at suffolkcu.org/HELOC.

* Suffolk Credit Union will pay closing costs on Home Equity Loan amounts up to $250,000 on properties in New York State only. Suffolk Credit Union will pay closing costs, except the appraisal fee, on Home Equity Lines-of-Credit amounts up to $500,000 on properties in New York State only. If you pay off and close your loan less than three years from loan origination date, you will be required to reimburse all closing costs paid by Suffolk Credit Union. For a Home Equity Line-of-Credit: Minimum loan amount is $20,000. Maximum loan amount is $1,500,000. The length of the repayment period will depend on the balance at the time of the last advance you obtain before the draw period ends. Monthly payments required during both the draw and repayment periods. During the 10-year draw period your minimum monthly payment will equal the finance charges (interest)that accrued on the outstanding balance during the preceding month. Payment calculation is based on 20-year amortization. Hazard insurance is required. Available on 1–4 family primary or secondary residences, excluding mobile homes, co-ops and homes for sale, under construction or on leased land. Applicants who are not approved at these rates may be offered credit at a higher rate.