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Lines of Credit

A line of credit is like a rainy-day fund—for any kind of weather. In a nutshell, it’s money on demand you can count on for a planned expense like remodeling your kitchen, or an unexpected cost like a new furnace. Here’s how it works: We agree on a preset amount to lend you. You can take money out of your line of credit anytime, up until the maximum amount. Of course, you’ll pay a low interest rate on the money you borrow—but only on the amount you borrow. Best of all, a line of credit is flexible and renewable. Flexible: You can withdraw any amount, anytime, and pay it back in installments of any amount above the monthly minimum. Renewable: After you repay the money, you can borrow it again, over and over.

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We’ve got you covered. With a ChekCredit overdraft protection line of credit, we’ll cover the difference if there’s not enough money in your checking or debit account for a withdrawal or payment.

Advantage Line

The ultimate in flexibility, accessibility and renewal-ability. While renewal-ability may not be a real word, access to a revolving, flexible cash flow is very real and a sweet deal. Available in lines of credit from $5,000-$25,000.

Home Equity Line of Credit

Home is where the heart is, and it’s also where you’ll find serious purchasing power. With a home equity line of credit, you can borrow against your home for pretty much whatever you want, whenever you want.

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Which is right for you?
Home Equity Line of Credit

A HELOC is a line of revolving credit with an adjustable interest rate. It allows you to choose when and how often to borrow against your home equity, up to an approved limit.

Home Equity Loan

A home equity loan enables you to borrow against the equity you have in your home. It's often used to finance major projects, like home repairs, remodeling and property enhancements (e.g., swimming pool).

Value Home Equity Line of Credit

A Value Home Equity Line of Credit allows individuals to potentially borrow up to 89% of their homes value to help fund some of life’s big expenses like home renovation projects or college tuition.

Value Home Equity Loan

A Value Home Equity Loan lets you leverage more of the equity you’ve invested in your home by enabling you to borrow much more of your home’s value (up to 95%). Private Mortgage is not required, you’ll save money on your monthly payments!

Call your local branch for information on loan rates, offers and how to begin the application process.

  1. You can always pay in person at any of our branches. Find your nearest branch using our branch locator.
  2. You can mail payments to: P.O. Box 628, Olean, NY 14760
  3. You can pay online through Online Banking.
  4. Use EZ Pay by phone to make a one-time payment from an account at another bank, or by using a debit card. Payments entered after 3pm EST will be credited the next business day. Just call 1-800-239-8513 or log onto

This is an interest rate that changes over time because it is based on an index. This means that payments may increase or decrease depending on the change in rate.

A repayment period is the period of time in which you make payments (principal plus interest) toward the balance owed.

This is the period of time in which you can access the funds available in your line of credit.

Save on your new home from day one

With a no closing cost mortgage, you can save thousands of dollars in upfront expenses.

Loan Options
Put your home’s equity to work

Home equity loans are a smart way to pay for major home improvements, renovations and upgrades.