• There’s Value in Your Home. Put It to Work

    Pay for college, cover medical expenses, consolidate debt or prepare for the unexpected

    You’ve worked hard to build the equity in your home. Now, use it to help turn your plans into reality. You can borrow up to 85% of your home’s value (less first mortgage balance) with one of our First Niagara Home Equity products.

    Call us at 1-866-892-2961


    The UltraFlex Home Equity Line of Credit is our most flexible Home Equity option. With UltraFlex, you can access funds from the line when you need them. If you have a big project or event, you can also lock in up to three fixed-rate loans within your line of credit and enjoy the certainty of knowing your payment amount and rate won't change.


    Give our Home Equity Calculator a try to find out how much available equity you may have in your home.


    Check out our competitive rates. You could also enjoy a special relationship rate if you have or open a Pinnacle or PinnaclePlus Checking account.


    Don't forget. Your line of credit or loan may even help you save on taxes. Consult a tax advisor regarding the deductibility of interest.


  • UltraFlex Home Equity Line of Credit

    • Easily access funds from the line of credit in a variety of ways, including First Niagara Branch and Call Centers, Online Banking and convenience checks
    • Lock in up to three fixed-rate, fixed-term loans within the line of credit at one time
    • Interest-only options available
    • No closing costs if the line of credit is kept open for three years (some exceptions apply)*
    Enter your ZIP code to get rates.
  • Home Equity Loan

    • Lock in a competitive rate and keep the same payment for the life of the loan
    • Choose terms up to 20 years**      
    • Biweekly option lets you make payments every two weeks and potentially save interest without increasing the monthly amount paid
    Enter your ZIP code to get rates.
  • The Bank will consider consumer loan requests from all applicants with United States citizenship who either reside or work in the Bank's designated lending area, subject to credit and collateral approval.

    Rates, terms and conditions are subject to change at any time without notice. Other terms and conditions apply. Please contact your local branch for more details and full loan disclosure information.

    *If the line of credit is closed within three years of opening, you must reimburse us certain fees we pay to third parties in connection with its opening. These fees are generally between $250 and $400 for accounts within Pennsylvania, Connecticut, and Massachusetts. In New York, the fees will generally be between $400 and $2,900. Depending on the unique nature of your property or application, other costs, such as flood or title insurance, may be required. Consult your loan officer for more detail.

    The corresponding APR for future variable rate advances within the UltraFlex Home Equity Line of Credit line may vary from one billing cycle to the next based on changes to the Prime Rate but will not exceed 15.9% or fall below 2.99%. Effective Monday, March 30, 2015, current variable rates are Prime Rate plus 0.49% for lines above $25,000 in Pennsylvania, Connecticut and Massachusetts and Prime plus 0.74% for lines above $25,000 in New York. The Prime Rate for any billing cycle will be the highest Prime Rate published by The Wall Street Journal in its 'monthly rate' table for our last business day of the month before the month in which the billing cycle begins. Rate Details

    Finance charges will begin to be earned on any outstanding variable rate advance on the day it is posted to the variable rate portion of your account. Beginning with the 13th billing cycle and every 12th billing cycle after that, while you may obtain variable rate advances, you must pay an annual fee of $50 if at the end of the billing cycle the total of all outstanding variable rate advances and all outstanding principal of fixed-rate loans is less than 25% of the credit limit for your line of credit. You must carry hazard (and flood, if applicable) insurance on the property that secures the line of credit. A fee of $50 applies for each fixed rate option advanced post-closing.

    **Example: The monthly payment for a fixed rate home equity loan of $25,000 with an APR of 5.74% repayable in 120 months would be $274.30. The monthly payment for a fixed rate home equity loan of $50,000 with an APR of 5.99% repayable in 180 months would be $421.66. The monthly payment for a fixed rate home equity loan of $75,000 with an APR of 7.99% repayable in 240 months would be $626.86.


Customize Your Experience.

By providing your ZIP code, we can customize our content to display the rates, products, locations and Mortgage Consultants in your area. Alternately, you can continue without ZIP code.


Home Equity Calculator

Estimate your available home equity.