When life happens...
turn to the equity in your home. Whether it’s
home repair, college tuition, debt consolidation
or virtually any need, a Home Equity Line of
Credit or Loan can help you achieve your goals.
n
io
Tuit
2.99%
APR*
As Low As
For one full year, then as
low as 4.0% APR on lines
of credit.
HOME EQUITY LINE OF CREDIT AS LOW AS 2.99% APR*
Use your funds for whatever you need by making simple transfers.
• Borrow against your line for up to ten years and then take up to ten more to pay it off.
• No closing costs, no fees, no minimum balance to keep.*
• Borrow what you need at an attractive rate and enjoy the benefits of a low APR.
• Lines start at $10,000 based on your home’s equity.
• The interest you pay may be tax deductible*
• Easy, fast application process.
Please see reverse for terms and conditions
To apply or get more information please call 716-842-1320,
online at www.buffaloservicecreditunion.org or stop by any BSCU office.
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HOME EQUITY LOAN
AS LOW AS 4.40% APR**
Get a loan you can afford with flexible payment terms that meet your
unique situation.
•
Enjoy an interest rate that’s fixed for the life of the loan so you’re always locked into
a great rate.
• No closing costs, no fees.**
• Choose your loan amount from as low as $10,000 based on your individual need.
• Choose your term (3 to 15 years) so monthly payments are affordable for your
budget.
• The interest you pay may be tax deductible**
• Easy, fast application process.
Please see reverse for terms and conditions
*Home Equity Line of Credit: Your actual APR may be higher based on the credit worthiness of
each applicant. Currently as low as 2.99% APR introductory rate good for 1 year from closing date,
then reverts to the approved APR. Offer may change without notice. Annual Variable APR based
on the Money Rates section of The Wall Street Journal “Prime Rate” (“Prime”) published on the
first business day of February. Interest rate changes take effect on April 1st of each year the line of
credit is in existence. Prime Rate is currently 3.25% APR. Maximum annual increase is 2.0% APR,
Maximum lifetime APR 18%, Minimum APR 4.0%. Only 1- to 4-family owner-occupied properties.
Rate and terms may change at any time before or after account opening and vary by credit history.
No annual fee. All lines of credit are subject to individual approval. Buffalo Service Credit Union
(BSCU) will pay closing costs. If you terminate the line of credit within the first 36 months you
must repay all closing costs. Consult your tax advisor regarding deductibility of interest. Property
insurance naming BSCU as mortgagee is required. Flood insurance may be required. Rates apply to
new accounts and may not be applied to existing accounts. Other terms and conditions may apply.
**Home Equity Loan: Your actual APR may be higher based on the credit worthiness of each
applicant. Various rates apply. 1 to 4-family owner-occupied properties only. Offer may change
without notice. This is a fixed rate Home Equity Loan secured by a mortgage on your home. All
loans are subject to individual approval. Consult your tax advisor regarding deductibility of interest.
Buffalo Service Credit Union (BSCU) will pay closing costs. If you terminate your loan within 36
months of closing date, you must re-pay all closing costs. Property insurance naming BSCU as
mortgagee is required. Flood insurance may be required. Rates apply to new accounts and may
not be applied to existing accounts. Other terms and conditions may apply.
Offers expire February 28, 2013.