IMPORTANT INFORMATION:  Please be advised that due to sidewalk construction at the 185 Genesee Street branch, our ATM will not be available after normal banking hours.  Please use the ATMs at 2817 Genesee Street, Commercial Drive or our Whitesboro branch.  We apologize for the inconvenience.

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Convert the equity in your home into a useful resource for things you need.

Adirondack Bank makes it easy to convert the equity in your home into a useful resource for things you need and want today. Whether you're planning home improvements, making a major purchase, consolidating high-interest loans, or refinancing your mortgage, the wisest financial decision may be to utilize the equity you've built in your home.

Home Equity Loan vs. HELOC

  • A home equity loan is fixed rate loan that may be in 1st or 2nd lien position. For a home equity loan, the entire loan amount is advanced at funding.
  • A home equity line of credit (HELOC) is a variable rate line of credit that may be in 1st or 2nd lien position. Funds may be borrowed at your discretion throughout the draw period. Payment options and amounts may vary.

Contact your local branch today and let us review with you the options of a Home Equity Loan or Line of Credit.

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