Have a mortgage that will grow with you. As you pay down your balance, your ability to borrow will increase, giving you the flexability to use more funds. Whether paying off existing debt or tackling an unexpected home renovation, our Mortgage Refi' Program will allow you to easily draw on the funds you have already paid so you can update your home as you go.


Mortgage Refi' Without All the Closing Costs

No Appraisal Fee
No Title Search Fee*
No Application Fee
No Attorney Fee
No Tax Escrow
No Recording Fee

Line Of Credit Option
Cash Out Available

It's that cimple.


'CIMPLE' Mortgage Refi' Line of Credit Rate
'CIMPLE' Mortgage Refi' Loan Rate


The only home product you will need


1. Borrow up to 100% of your home's value and pay it back at any time with no pre-payment penalty.


2. As you pay down your mortgage, your access to credit will increase.


3. Use your line of credit for anything, pay off student debt, finance renovations or even cover vacation expenses.


4. As little as 5 Days to closing & minimum credit score of 660+. Give us a call and let us get you started today!









A Mortgage that Grows With You

Calculate How Much You Can Borrow
(Lesser of $250,000 or 100% of Appraisal)

Estimated Home Value

Estimated Outstanding Mortgage Balance

Estimated Available funds on LOC

Year 1
Take 100% of your home's value, then subtract what you owe on your mortgage.
$250,000 $200,000 $50,000
Year 5
After making $25,000 in mortgage principal payments over 5 years, your mortgage balance drops and your available credit increases.
$250,000 $175,000 $75,000
Year 10
After making $56,000 in mortgage principal payments over 10 years, your mortgage balance drops and your available credit increases.
$250,000 $144,000 $106,000

This example is for illustrative purposes only and based on a line of credit of $250,000.  Sample payment based on a $200,000 balance at 4.25% interest rate with a 10 year draw and 25 year amortization is estimated at $1,083.  The credit limit on the Mortgage Refi Product will vary depending on individual applicant eligibility and the home value, not to exceed $250,000.  Available funds on the line of credit will differ based on payment activity and usage of the line over time.

Mortgage Programs

The credit union offers a full suite of mortgage programs.  We look forward to helping with all your mortgage needs.

Other Featured Products


Meet our Mortgage Team

Lisa McCoy

Vice President, Branch Operations
518.583.2323 x123
NMLS# 1454285 

Misty Malatino

Branch Manager - Ballston Spa
518.583.2323 x101
NMLS# 925524

Cristella Parsons

Branch Manager - Saratoga Springs
518.583.2323 x103
NMLS# 2192991





Real Estate Agents


When you partner with us, we meet you on a level playing field and open a world of possibility.

We would love to connect whether on the phone or over a cup of coffee to discuss how we can work together. Plus, take advantage of our FREE programs to help you and your client feel confident with all aspects of the buying and selling process.

  • Seminars for you and your clients
  • Office visits with custom presentations, plus breakfast!
  • Open house visits

Read More



When it's important to you, it's personal to us.


   Ready for a consult?
We can't wait to meet you!
23 Division Street, Saratoga Springs, NY 12866
444 Geyser Road, Ballston Spa, NY 12020

Know what you need?
Apply online!

Speak directly to staff!



*Title insurance may be required at owner’s expense.
This offer is good for refinance only, cash out may be available. Must be primary residence and first lien only. Maximum amount financed is 100% of the combined loan to value (CLTV), not to exceed $250,000. New York State mortgage tax is required and paid by the borrower. Must be credit qualified. A 1.00% origination fee applies. Geographic Areas:  Only properties located in the following counties will be considered:  Albany, Essex, Fulton, Hamilton, Montgomery, Rensselaer, Saratoga, Schenectady, Warren and Washington. Federally insured by NCUA.