Best NY HELOC RatesNew York Home Equity Line of Credit Rates

Compare home equity line of credit (HELOC) rates in New York

(Last Updated: 12/13/2019)
Home Equity Lenders
APR
Rate
Initial Draw
Contact details
3.990% Intro APR
5.000% After Intro PeriodIntro Period: 12 months
5.000% Rate $25,000 Min. Initial Draw Amount
Conditions:
Home Equity rates and terms are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. No closing costs on new HELOCs up to $500,000. The borrower will have an increased APR rate if the borrower does not (i) take an advance of $25,000 and maintain this balance for 12 months, and (ii) have automatic transfers from any Bethpage personal savings or checking account for the monthly HELOC payment. Published rates and terms based on primary homes. Home Equities not offered in TX. $5.00 minimum share account required. Membership conditions apply.
  • APR Fixed for One Year
  • Prime Rate for Life, Thereafter
  • Prime Rate as of 1/22/2019 = 5.50% (Wall Street Journal). Floor APR=3.25%.
5.250% APR 5.250% Rate $0 Min. Initial Draw Amount
Conditions:
Rates and terms are subject to change without notice. Applications are subject to credit approval. The Annual Percentage Rate (“APR”) is a variable rate and is established based on an Index PLUS or MINUS a margin. The Index is the highest United States Prime Rate as published in the Eastern Edition of The Wall Street Journal ("Prime Rate") on the last business day before the start of each month’s billing cycle. The minimum APR is 3.50%. The maximum APR is 18.00%. The rates shown reflect a 1-to 2 unit owner occupied primary residence, including condominiums. Receive a .25% percentage point rate discount if you choose to make your payment using auto debit from a People’s United checking account. Other terms and conditions may apply. There is a $75 annual fee, which is waived for qualified People’s United Bank checking accounts. There is a prepayment penalty fee of $500 if you close your account within two (2) years after the date of your Note. If the Note is secured by property located in the State of New York, borrower(s) must also pay People’s United Bank back the mortgage tax paid by the Bank at the time of the origination of the Note . Home Equity Lines of Credit are available only for 1 - 4 unit owner occupied primary residences, 1 unit second homes and condominiums in Connecticut, Massachusetts, Maine, Vermont, New Hampshire and select counties in the state of New York and are not available on cooperatives or properties listed for sale. The Home Equity Line of Credit has a minimum line amount of $25,000 and a maximum line amount of $750,000. Property insurance is required. Flood insurance may be required. People’s United Bank, N.A. Member FDIC Equal Housing Lender NMLS#464603
  • No appliction fee, no origination fee and no closing costs
  • Pay interest only during the 9.5 year draw period
  • Over 175 years of exceeding customer expectations
  • Fast and easy online application - apply today
3.740% APR 3.740% Rate $0 Min. Initial Draw Amount
Conditions:
Conditions… Variable APR of Prime minus 1.01% in all states. Min loan amount $10,000. Max loan amount $200,000. 30-year term. Annual fee waived for the first year. See conditions for guarantee at thirdfederal.com.
  • Third Federal rate are typically 20% lower than other leaders
  • Guaranteed Lowest Rate
  • No closing costs, prepayment penalties, or minimum draw requirements
  • 10 year draw period
5.750% APR 5.750% Rate $0 Min. Initial Draw Amount
5.400% APR 5.400% Rate $0 Min. Initial Draw Amount
4.250% APR 4.250% Rate $15,000 Min. Initial Draw Amount
4.865% APR 4.865% Rate $15,000 Min. Initial Draw Amount
2.490% Intro APR
5.750% After Intro PeriodIntro Period: 9 months
5.750% Rate $10,000 Min. Initial Draw Amount
2.990% Intro APR
4.750% After Intro PeriodIntro Period: 12 months
4.750% Rate $10,000 Min. Initial Draw Amount
2.950% Intro APR
4.750% After Intro PeriodIntro Period: 12 months
4.750% Rate $0 Min. Initial Draw Amount
3.400% APR 3.400% Rate $0 Min. Initial Draw Amount
6.100% APR 6.100% Rate $0 Min. Initial Draw Amount
3.750% APR 3.750% Rate $5,000 Min. Initial Draw Amount
0.000% Intro APR
4.750% After Intro PeriodIntro Period: 3 months
4.750% Rate $25,000 Min. Initial Draw Amount
6.250% APR 6.250% Rate $30,000 Min. Initial Draw Amount
3.750% Intro APR
5.250% After Intro PeriodIntro Period: 36 months
5.250% Rate $0 Min. Initial Draw Amount
5.240% APR 5.240% Rate $0 Min. Initial Draw Amount
3.250% Intro APR
4.500% After Intro PeriodIntro Period: 12 months
4.500% Rate $10,000 Min. Initial Draw Amount
3.750% Intro APR
4.750% After Intro PeriodIntro Period: 12 months
4.750% Rate $0 Min. Initial Draw Amount
5.500% APR 5.500% Rate $25,000 Min. Initial Draw Amount
1.990% Intro APR
4.750% After Intro PeriodIntro Period: 6 months
4.750% Rate $10,000 Min. Initial Draw Amount
4.750% APR 4.750% Rate $0 Min. Initial Draw Amount
0.750% Intro APR
5.000% After Intro PeriodIntro Period: 6 months
5.000% Rate $10,000 Min. Initial Draw Amount
2.740% Intro APR
5.490% After Intro PeriodIntro Period: 12 months
5.490% Rate $25,000 Min. Initial Draw Amount
5.790% APR 5.790% Rate $0 Min. Initial Draw Amount
1.990% Intro APR
4.750% After Intro PeriodIntro Period: 6 months
4.750% Rate $0 Min. Initial Draw Amount
4.750% APR 4.750% Rate $5,000 Min. Initial Draw Amount
4.500% APR 4.500% Rate $0 Min. Initial Draw Amount
1.990% Intro APR
4.750% After Intro PeriodIntro Period: 6 months
4.750% Rate $0 Min. Initial Draw Amount
4.750% APR 4.750% Rate $0 Min. Initial Draw Amount
5.900% APR 5.900% Rate $0 Min. Initial Draw Amount
4.750% Intro APR
4.750% After Intro PeriodIntro Period: 60 months
4.750% Rate $0 Min. Initial Draw Amount
4.750% APR 4.750% Rate $0 Min. Initial Draw Amount
6.320% APR 6.320% Rate $50,000 Min. Initial Draw Amount
5.000% APR 5.000% Rate $0 Min. Initial Draw Amount
3.240% Intro APR
5.000% After Intro PeriodIntro Period: 6 months
5.000% Rate $0 Min. Initial Draw Amount
3.490% APR 3.490% Rate $0 Min. Initial Draw Amount
4.750% APR 4.750% Rate $0 Min. Initial Draw Amount
5.250% APR 5.250% Rate $0 Min. Initial Draw Amount
2.750% Intro APR
4.500% After Intro PeriodIntro Period: 12 months
4.500% Rate $0 Min. Initial Draw Amount
5.500% APR 5.500% Rate $0 Min. Initial Draw Amount
3.740% Intro APR
5.750% After Intro PeriodIntro Period: 12 months
5.750% Rate $0 Min. Initial Draw Amount
6.125% APR 6.125% Rate $25,000 Min. Initial Draw Amount
2.250% Intro APR
4.500% After Intro PeriodIntro Period: 6 months
4.500% Rate $0 Min. Initial Draw Amount
5.500% APR 5.500% Rate $3,000 Min. Initial Draw Amount
5.540% APR 5.540% Rate $0 Min. Initial Draw Amount

Informa Research Services, Inc.Home Equity Loans - Rates are based on a fixed rate home equity loan for an owner occupied residence, second lien, 10 year or 15 year repayment terms with an 80% loan-to-value ratio for loan amounts of $50,000 or $50,000+. Rate Discount indicates the amount of reduction in the Rate for having monthly payments automatically deducted from an account and/or for having other relationship accounts with the institution, expressed as a percentage. Rates shown may be subject to regional pricing. Conditions 'No closing costs' indicates that customer is not required to pay closing costs on the loan. 'With closing costs' indicates that customer is required to pay closing costs on the loan. Rates displayed may include discounts. Rates are subject to change without notice.

Disclaimer:
Home Equity Line of Credit - Rates are based on a variable rate, second lien revolving home equity line of credit for an owner occupied residence with an 80% loan-to-value ratio for line amounts of $50,000 or $50,000+. Discount indicates the amount of reduction in the Rate for having monthly payments automatically deducted from an account and/or for having other relationship accounts with the institution, expressed as a percentage. Rates shown may be subject to regional pricing. Conditions 'No closing costs' indicates that customer is not required to pay closing costs on the line of credit. 'With closing costs' indicates that customer is required to pay closing costs on the line of credit. Rates displayed may include discounts. Rates are subject to change without notice.

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