Skip to content

Rates

Dreaming of starting a new project or paying down debt? Your home can make it happen — with a little help from CCB.

Key Features

  • Competitive Rates
  • Personalized Guidance
  • Efficient Processing
  • Local Service

Enjoy a fixed-rate, lump-sum loan — backed by the equity in your home.

Details: 

  • Take out a loan, using the equity in your home as collateral
  • Funds can be used for any purpose:
    • Home improvements
    • College education
    • Medical expenses
    • Wedding
    • Emergencies
    • And more
  • Interest may be tax-deductible1
  • Fixed, competitive rates
  • Flexible repayment terms to fit your budget, from 5-15 years
  • CCB pays normal closing costs related to a home equity loan2:
    • Appraisal
    • Credit report
    • Flood Zone Determination
    • Judgment and lien search
    • Mortgage recoding fees and tax
  • Fast decision-making and processing here in Southwestern New York
  • Personal, customized service from start to finish

Apply for a Home Equity Loan Now!

A HELOC lets you draw only what you need, when you need it.

Details:

  • Revolving line of credit
  • Draw the funds you need, when you need them — no need to reapply
  • Pay interest only on funds in use for the first 10 years
  • Interest may be tax-deductible1
  • Fixed-rate conversion options available...ask us!
  • CCB pays normal closing costs related to a home equity loan2:
    • Appraisal
    • Credit report
    • Flood zone determination
    • Judgment and lien search
    • Mortgage recoding fees and tax
  • Fast decision-making and processing here in Southwestern New York
  • Personal, customized service from start to finish

Once we receive your completed application, including the items listed below (if required), we will begin to process it right away. This checklist will help you identify the materials you will need to provide. 

  • Signed application
  • Signed copies of your last 2 years Federal Income Tax returns with all schedules and W2 forms
  • A copy of your last mortgage statement (if applicable)
  • A copy of the property deed
  • Last year's paid property tax receipts and any receipts for taxes paid year-to-date
  • A copy of your 40/40 lease (if applicable) along with the receipt of paid lease
  • A copy of your title search / abstract of title
  • Proof of Homeowners Insurance

1Consult your tax advisor.

2If loan is paid in full within the first 3 years, CCB will require reimbursement of fees paid by bank.