Simplify Your Debt With a HELOC That Works for You

We offer a smarter way to tackle debt by consolidating all of your debt into one monthly low-interest HELOC payment.

HELOC Promo: As low as

5.49%

APR¹

Fixed for 12 months, then as low as Prime²

Home Renovations

Refinancing Your Loans

Emergency Expenses

Debt Consolidations

Let's face it, most of us have credit cards. When you're trying to take control of your finances, it can be extremely hard to come up with a plan to pay all of your credit card debt off. A HELOC may be the best solution to your problems. On average most credit cards have a higher interest rate than your HELOC will have and consolidating them could save you thousands!

Access the funds you need to consolidate debt and take control of your finances. With a streamlined process and flexible HELOC options, we make it easier to pay off high-interest debt and save more—so you can focus on a smarter financial future.

¹APR = Annual Percentage Rate. Terms, Rates, and Conditions subject to change without notice. Stated rates are based on credit worthiness and other criteria. No closing cost option requires a minimum draw of $50,000 at funding. Closing costs must be paid back if the line is closed within the first 3 years, including internal refinances. Minimum draw at funding and a minimum balance of $50,000 must be kept for at least 18 months. If the balance falls below $50,000 during the first 18 months, the introductory rate reverts to Prime Rate plus a margin. Members do not qualify for the introductory rate if they already had an introductory rate on a HELOC at Nassau Financial within the past three (3) years. ²Base rate is Prime Rate with a margin and requires Auto Transfer AND Direct Deposit. Minimum Rate is 3% and Maximum Rate (Ceiling) is 18%. Minimum line amount is $25,000 and maximum line amount is $250,000. Maximum CLTV is 80%. Subject property must be the primary residence of the applicant and located in New York State. Cooperative properties not eligible. Fixed Rate Option (FRO) available during draw period: Minimum amount is $10,000. Maximum term is 240 months. Three fixed rate advances maximu at one time during draw period. Fee of $75 per advance. FRO rates differ from HELOC rates and are based on credit report status at time of request, and other criteria. Credit reports re-pulled after 60 days and subject to new rate and re-approval. Membership is open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Share Savings Account is required for membership.

Offers subject to change without notice. Membership is open to those who live, work, worship, volunteer, or go to school in Nassau and portions of Suffolk County, NY, as well as immediate family members and those who reside with current Members. A $5 deposit into a Share Savings Account is required for membership.