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  • 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 our Ultra Flex Home Equity® Line of Credit.

    Call us at 1-866-892-2961


    The Ultra Flex Home Equity® Line of Credit is a convenient and flexible borrowing option. With Ultra Flex Home Equity®, 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 may even help you save on taxes. Consult a tax advisor regarding the deductibility of interest.



  • Ultra Flex 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 option 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.
  • 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 you close the line of credit within three years of opening, you must reimburse us for certain fees we pay to third parties in connection with opening the line of credit. For lines of credit between $10,000 and $250,000, these fees are generally between $316.50 and $616.50 in Connecticut, $408.50 and $708.50 in Massachusetts, $401.50 and $3,273.50 in New York, and $297.50 and $755.50 in Pennsylvania. Depending on the unique nature of your property or application, other costs, such as hazard, flood, or title insurance may be required. In addition, if the collateral property is held in trust, a $300 fee will be charged for a review by outside counsel. Consult your loan officer for more detail.

    The corresponding APR for future variable rate advances within the Ultra Flex 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 Saturday, May 28, 2016, 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 one year following the date on which you sign your line of credit agreement, and every year thereafter during the Draw Period, you must pay us an annual fee of $50 if on such date the Unpaid Principal on the Account is less than 25% of the Credit Limit. 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.


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Home Equity Calculator

Estimate your available home equity.