Home Equity Loans

Put your hard-earned home equity to work for you with the help of Bank of Cooperstown. We offer both Home Equity Loans and Lines of Credit to help accommodate a wide range of other needs.

Whether for one-time installments or for ongoing needs, rest assured our financing includes competitively low rates and terms that always keep your unique situation in mind. Plus, we process everything right here in the Cooperstown region &mash; keeping red tape and hoop jumping far from the equation.

Home Equity Loans
  • Competitively low rates for a wide range of personal needs:*
  • Home improvements
  • Education and medical expenses
  • Important life events
  • Small business expenses
  • Vacation expenses
  • Bill consolidation
  • And more!
  • Utilize the equity in your home as collateral backing
  • Personalized repayment terms, consistent with your unique situation
  • The interest paid might be tax deductible**
  • Local, Cooperstown region decision-making and processing
  • Focused, customized attention from start to finish

*Subject to credit approval.

**Consult a tax advisor.

Home Equity Lines of Credit (HELOC)
  • Competitively low rates for a wide range of ongoing expenses:*
  • Home improvements
  • Education and medical expenses
  • Important life events
  • Small business expenses
  • Vacation expenses
  • Bill consolidation
  • And more!
  • Utilize the equity in your home as collateral backing
  • Personalized repayment terms, consistent with your unique situation
  • Access funds anytime without reapplying for another installation
  • Funds available via a line of credit check or advances made in-person or by phone
  • Receive a monthly statement of all transactions (if your line has a balance)
  • Only pay interest on the part that's used
  • The interest paid might be tax deductible**
  • Local, Cooperstown region decision-making and processing
  • Focused, customized attention from start to finish

*Subject to credit approval.

**Consult a tax advisor.