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Home Equity Loans

Make your dreams come true!

(See details below)

You can use the equity in your home to secure a Home Equity Line of Credit (HELOC) or a Home Equity Loan.  Either choice provides a great way to pay for home improvements, education, debt consolidation or to purchase a new or used vehicle.

What's the difference between a Home Equity Loan and a HELOC?

Home Equity Loans offer a low fixed rate with predictable monthly payments.   Home Equity Line of Credit allows access to funds as you need them.


Secure and Fair Enforcement for Mortgage Licensing Act of 2008

On July 28, 2010 the Nation Credit Union Association (NCUA) and other Federal Agencies published a final rule to implement the federal registration requirements of the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act).
The registration requirements apply to all employees acting in the capacity of a Mortgage Loan Originator (MLO). The S.A.F.E. Act requires all MLOs to register with the Nationwide Mortgage Licensing System and Registry  (NMLS). Once registered, each MLO is provided a Unique Identifier from the NMLS. An MLO must provide this Unique Identifier to each mortgage loan applicant upon request and prior to the employee acting as an MLO. 

Below is a list that includes the NMLS information for each Mortgage Loan Originator employed by the Ticonderoga Federal Credit Union:

Located at TFCU’s Ticonderoga Office

Located at TFCU’s Port Henry  & Elizabethtown Branches



For more information about the registry, please visit the NMLS at

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*APR equals Annual Percentage Rate and is subject to credit qualification. Membership Eligibility and credit qualification required. This APR (Annual percentage rate) is locked for 12 months and subject to change annually on the anniversary of the loan. To determine the APR we add 3.25% to the one year constant maturity treasury.  Max APR that may be imposed is 16%. Available on owner-occupied primary residences with loans up to 80% Loan-to-Value (LTV). **No closing cost offer applies only to loans $7500 or greater. Appraisal fee required at time of application and refunded at closing. Homeowners insurance required. Member would be responsible for cost of purchasing self-elected owner’s title insurance, any extenuating title issues, and flood insurance (if applicable). Member required to reimburse all closing costs if loan is paid and closed within 48 months.  APR and terms stated are effective 6/13/2016, and are subject to change at any time.