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New York Home Equity Loan - 15 YearsNY Current Home Equity Rates
Current home equity loan rates in New York - Fifteen Year Loan
(Last Updated: 01/04/2026)
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Home Equity Lenders
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Conditions: The Figure Home Equity Line is an open-end product where the full loan amount (minus the origination fee) will be 100% drawn at the time of origination. The initial amount funded at origination will be based on a fixed rate; however, this product contains an additional draw feature. As the borrower repays the balance on the line, the borrower may make additional draws during the draw period. If the borrower elects to make an additional draw, the interest rate for that draw will be set as of the date of the draw and will be based on an Index, which is the Prime Rate published in the Wall Street Journal for the calendar month preceding the date of the additional draw, plus a fixed margin. Accordingly, the fixed rate for any additional draw may be higher than the fixed rate for the initial draw. Approval may be granted in fi ve minutes but is ultimately subject to verifi cation of income and employment, as well as verifi cation that your property is in at least average condition with a property condition report. Five business day funding timeline assumes closing the loan with our remote online notary, and where loan amounts are under $400,000 which would not require an appraisal. Funding timelines may be longer for loans secured by properties located in counties that do not permit recording of e-signatures or that otherwise require an in-person closing, or that require a waiting period prior to closing, or where loan amounts exceed $400,000.
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First National Bank of ScotiaLast Updated: 10/10/2025
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7.250% APR | 7.250% Rate | $913 Est. Payment per month | |
Gouverneur S&LLast Updated: 10/10/2025
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8.125% APR | 8.125% Rate | $963 Est. Payment per month | |
Glens Falls National B&T Co.Last Updated: 10/10/2025
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7.740% APR | 7.740% Rate | $941 Est. Payment per month | |
Carthage Federal S&LLast Updated: 10/10/2025
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7.550% APR | 7.550% Rate | $930 Est. Payment per month | |
Five Star BankLast Updated: 10/10/2025
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8.125% APR | 8.125% Rate | $963 Est. Payment per month | |
Advantage FCULast Updated: 10/10/2025
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7.500% APR | 7.500% Rate | $928 Est. Payment per month | |
Hudson Valley FCULast Updated: 10/10/2025
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7.500% APR | 7.500% Rate | $928 Est. Payment per month | |
KeyBank - SyracuseLast Updated: 10/10/2025
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13.407% APR | 13.350% Rate | $1,289 Est. Payment per month | |
Visions FCULast Updated: 10/10/2025
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7.000% APR | 7.000% Rate | $899 Est. Payment per month | |
TD BankLast Updated: 10/10/2025
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8.540% APR | 8.540% Rate | $988 Est. Payment per month | |
Teachers FCULast Updated: 10/10/2025
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8.375% APR | 8.375% Rate | $978 Est. Payment per month | |
Navy FCULast Updated: 10/10/2025
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8.200% APR | 8.200% Rate | $968 Est. Payment per month | |
Northwest BankLast Updated: 10/10/2025
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6.750% APR | 6.750% Rate | $885 Est. Payment per month | |
Pioneer BankLast Updated: 10/10/2025
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7.500% APR | 7.500% Rate | $928 Est. Payment per month | |
Watertown Savings BankLast Updated: 10/10/2025
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7.500% APR | 7.500% Rate | $928 Est. Payment per month | |
AmeriCU Credit UnionLast Updated: 10/10/2025
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6.990% APR | 6.990% Rate | $899 Est. Payment per month | |
Northern CULast Updated: 10/10/2025
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6.160% APR | 6.160% Rate | $853 Est. Payment per month | |
Chemung Canal Trust Co.Last Updated: 10/10/2025
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7.250% APR | 7.250% Rate | $913 Est. Payment per month | |
SeaComm FCULast Updated: 10/10/2025
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8.500% APR | 8.500% Rate | $985 Est. Payment per month | |
ESL FCULast Updated: 10/10/2025
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8.500% APR | 8.500% Rate | $985 Est. Payment per month | |
Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
New York Cities Resource
Choose your city below to view local home equity lenders in your area:
- Albany
- Amherst
- Auburn
- Binghamton
- Brewster
- Buffalo
- Camillus
- Canandaigua
- Cicero
- Clifton Park
- Cortland
- Delmar
- Depew
- East Amherst
- East Hampton
- Fairport
- Glens Falls
- Goshen
- Guilderland
- Hamburg
- Hempstead
- Hopewell Junction
- Johnson City
- Latham
- Liverpool
- Long Beach
- Malta
- Massapequa Park
- Middle Village
- Mineola
- Monticello
- Mount Vernon
- New Rochelle
- New Windsor
- New York
- Niagara Falls
- Olean
- Orchard Park
- Patchogue
- Poughkeepsie
- Queensbury
- Rego Park
- Riverhead
- Rochester
- Rockville Centre
- Rome
- Schenectady
- Syracuse
- Troy
- Utica
- Valley Stream
- Webster
- West Seneca
- White Plains
- Williamsville
- Woodbury
- Yonkers
