Apply for HELOC in Amherst NY: Simplify Debt with Home Equity

Today’s Home Equity Loan Rates & Analysis - Updated on 2025-OCT-11

Credit Union Loan Rates - Trends & Analysis:

Mid–Hudson Valley has a HELOC with an APR of 3.99% today. There is no change compared to 7 and 30 days ago. No other term rates are listed for comparison. Broadview has a HELOC with rates ranging from 3.99% to 5.75% today. This range is lower than 7 days ago and 60 and 90 days ago, when the top rate was 14.9% . Compared to 30 days ago, the current top rate is also lower, dropping from 6.25% to 5.75% . The minimum rate has stayed steady at 3.99% throughout.

Hudson Valley has a HELOC with rates today ranging from 4.5% to 7.5% , which is slightly lower than the 7, 30, 60, and 90 days ago range of 4.5% to 7.75% . Their Home Equity loan shows rates between 6.25% and 7.25% today, unchanged from 7 and 30 days ago, and consistent with the 60 and 90–day ranges. Affinity has a HELOC with an APR range of 4.9% to 7.13% today. This rate is the same as it was 7 days ago and lower than the range from 30 days ago, which was 4.9% to 7.38% .

Consumers has a HELOC with an APR range of 5.24% to 10.25% today. This rate is the same as it was 7 days ago but lower than 30 days ago, when the range was 5.49% to 10.5% . Affinity Plus has a Home Equity loan with an APR range of 5.49% to 6.24% today. This rate is the same as it was 7 and 30 days ago. The top end of the range was higher 60 and 90 days ago, reaching up to 8.24% . Together has a HELOC rate of 5.99% today, unchanged from it was 7, 30, and 60 days ago. Their Home Equity loan rate is 7.12% today, unchanged from 7 and 30 days ago but lower than 60 days ago when it was 7.38% .

Bethpage has a HELOC with rates today at 5.99% to 7.25% , unchanged from 7 and 30 days ago but lower than 30, 60, and 90 days ago when the range was 6.49% to 7.5% . Its Home Equity loan rates are 8.13% to 9.13% today, the same as 7 and 30 days ago but higher than 60 and 90 days ago, which were 7.88% to 8.88% . Empower has a Home Equity loan with an APR range of 6.49% to 7.49% today. This rate is the same as it was 7 and 30 days ago. The rates have stayed steady over the past month.

Centra has a Home Equity loan with an APR range of 6.49% to 9.49% , unchanged from it was 7, 30, and 60 days ago. Their HELOC rates are between 7.5% and 9.5% , also unchanged from the past 7, 30, and 60 days. Both products have steady rates over the last two months. Visions has a Home Equity loan with a minimum APR of 6.5% today. This rate is lower than it was 90 days ago when it was 6.75% . No other recent rate changes are shown for 7 or 30 days. Usalliance has a Home Equity rate range of 6.5% to 8.12% today. This rate is the same as it was 7, 30, 60, and 90 days ago. There has been no change in the APR over the past three months.

Baxter has a HELOC rate of 6.75% today, unchanged from it was 7, 30, 60, and 90 days ago. Their Home Equity loan rate is 7.25% today, down from 7.5% over the past 7, 30, 60, and 90 days.

🏦 All Local Lenders in Amherst, NY

Lender Name	Branch Address	Timings & Contact	General Services Offered	Office Services	Lender Snapshot
NIAGARA FALLS A F FEDERAL CREDIT UNION	110 JOHN MUIR DR AMHERST NY 14228	⏰ Monday-Friday 7:00 - 7:00 P.M. 📞 7166363700 📠 7162971223	ATM Services Only	P2P E-Statements	Assets: $19,767,545 Deposits: $940,466 Net Worth: $2,369,324 Employees: 4 Members: 1,711
SWEET HOME FEDERAL CREDIT UNION	1960 SWEET HOME RD AMHERST NY 14228	⏰ Normal Business Hours Monday, Tuesday and Thursday 9:00 AM to 4:00 PM, Wednesday 9:00 AM to 3:00 PM, Friday 9:00 AM to 5:00 PM 📞 7166919187 📠 7166910175	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements	Assets: $42,742,857 Deposits: $2,935,390 Net Worth: $4,637,044 Employees: 8 Members: 2,918
BOULEVARD FEDERAL CREDIT UNION	2787 NIAGARA FALLS BLVD AMHERST NY 14228	⏰ Mon - Wed 9:00 to 4:00Thu & Fri 9:00 to 5:30 📞 7166916727 📠 7166916860	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements	Assets: $42,778,373 Deposits: $2,117,816 Net Worth: $5,876,278 Employees: 8 Members: 3,655
BOULEVARD FEDERAL CREDIT UNION	110 JOHN MUIR DR AMHERST NY 14228	⏰ 7:00 A.M. to 6:00 P.M. 📞 7166363700 📠 7166916860	ATM Services Only	P2P E-Statements	Assets: $42,778,373 Deposits: $2,117,816 Net Worth: $5,876,278 Employees: 8 Members: 3,655
YOUR CHOICE FEDERAL CREDIT UNION	110 JOHN MUIR DR AMHERST NY 14228	⏰ Monday - Thursday 9:00 A.M. - 4:30 P.M. Friday 9:00 A.M. - 5:30 P.M. 📞 8149461293 📠 8149464084	ATM Services Only	P2P E-Statements	Assets: $12,786,874 Deposits: $631,608 Net Worth: $1,626,009 Employees: 4 Members: 1,510
ARMSTRONG CO. FEDERAL EMP. FEDERAL CREDIT UNION	110 JOHN MUIR DR AMHERST NY 14228	⏰ 8;oo-5;00 📞 8002959100 📠 7245451899	ATM Services Only	P2P	Assets: $17,358,358 Deposits: $1,585,152 Net Worth: $2,528,794 Employees: 4.0 Members: 2,145
CAMBRIDGE MUNICIPAL EMPLOYEES FEDERAL CREDIT UNION	110 JOHN MUIR DR AMHERST NY 14228	⏰ Monday - Friday 8:00 to 5:00 📞 8002959100 📠 6175477969	ATM Services Only		Assets: $10,751,352 Deposits: $1,681,275 Net Worth: $2,154,995 Employees: 4 Members: 1,331
BROADVIEW FEDERAL CREDIT UNION	3155 NIAGARA FALLS BLVD AMHERST NY 14228	⏰ M-W 830am-5pm Th-F 830am-6pm Sa 830am-2pm 📞 5184528234 📠 5184582261	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Drive-Thru Banking (Deposits, Withdrawals, Simple Transactions) Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members) Basic ATM Access (Withdrawals, Balance Checks)	ATM Drive-Thru P2P E-Statements E-Signature	Assets: $8,945,023,510 Deposits: $550,025,253 Net Worth: $748,058,930 Employees: 1467 Members: 496,735
BROADVIEW FEDERAL CREDIT UNION	520 LEE ENTRANCE STE 101A AMHERST NY 14228	⏰ Mon - Fri 9am - 3pm 📞 5184528234 📠 5184582261	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services Basic Shared Branch Transactions (Deposits & Withdrawals for Partner Credit Union Members) Basic ATM Access (Withdrawals, Balance Checks)	ATM P2P E-Statements E-Signature	Assets: $8,945,023,510 Deposits: $550,025,253 Net Worth: $748,058,930 Employees: 1467 Members: 496,735
C S P EMPLOYEES FEDERAL CREDIT UNION	110 JOHN MUIR DR AMHERST NY 14228	⏰ M-F 8-5 📞 7166363700 📠 8607633593	ATM Services Only	P2P E-Statements	Assets: $10,246,727 Deposits: $1,985,563 Net Worth: $1,223,433 Employees: 3 Members: 1,241
HAVERHILL FIRE DEPARTMENT CREDIT UNION	110 JOHN MUIR DR AMHERST NY 14228	⏰ 24/7 📞 8002959100 📠 9783727782	ATM Services Only	P2P E-Statements	Assets: $24,555,948 Deposits: $2,586,477 Net Worth: $2,473,022 Employees: 5 Members: 1,255
WILLIAMSVILLE FEDERAL CREDIT UNION	656 N FRENCH RD STE 7 AMHERST NY 14228	⏰ Monday & Wednesday 9:00 to 4:00 pm Thursday 12:00 to 4:00 pm Friday 9:00 to 5:00 pm 📞 7166913110 📠 7166911785	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services		Assets: $11,298,612 Deposits: $1,474,871 Net Worth: $1,339,751 Employees: 4 Members: 1,956
WILLIAMSVILLE FEDERAL CREDIT UNION	110 JOHN MUIR DR AMHERST NY 14228	⏰ Monday through Friday 9:00 to 5:00 📞 7166262300 📠 7166911785	ATM Services Only		Assets: $11,298,612 Deposits: $1,474,871 Net Worth: $1,339,751 Employees: 4 Members: 1,956
WILLIAMSVILLE FEDERAL CREDIT UNION	110 JOHN MUIR DR AMHERST NY 14228	⏰ Monday through Friday 9:00 to 5:00 pm 📞 7166262300 📠 7166911785	ATM Services Only		Assets: $11,298,612 Deposits: $1,474,871 Net Worth: $1,339,751 Employees: 4 Members: 1,956
UKRAINIAN FEDERAL CREDIT UNION	2882 NIAGARA FALLS BLVD AMHERST NY 14228	⏰ Closed MondaysTu-Th 9:30 AM-5:00 PMF 9:30 AM - 6:00 PMSat 9:00 AM - 1:00 PM 📞 7167998385 📠 5853382980	Personal Banking (Checking & Savings Accounts) Auto Loans & Vehicle Financing Mortgage Loans & Refinancing Personal Loans & Debt Consolidation Credit Cards with Rewards Business Banking (Merchant Services & Business Loans) Online & Mobile Banking ATM & Cash Withdrawal Services	P2P E-Statements E-Signature	Assets: $389,990,963 Deposits: $10,915,646 Net Worth: $32,778,095 Employees: 92 Members: 28,417
HOLY FAMILY PARMA FEDERAL CREDIT UNION	110 JOHN MUIR DR AMHERST NY 14228	⏰ Monday thru Friday 7:00 a.m. to 9 p.m. Emergency Hours: anytime 📞 8002959100 📠 4408428586	ATM Services Only	P2P E-Statements	Assets: $17,340,018 Deposits: $347,983 Net Worth: $3,337,535 Employees: 13 Members: 1,212

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