Homeowners Mortgage Enterprises, Inc.

Home Equity Line of Credit

Your home is your greatest financial resource, therefore choosing a financial institution for a home equity loan or second mortgage can be a daunting task.

Credit lines up to $50,000.00*
Rates as low as 4.00% (floor rate).
Up to 80% Loan to Value.
Checks to access Line Of Credit.
Rate changes only Annually (many home equity line of credit rates adjust more frequently)


First Mortgage Loans

Upstate Federal Credit Union in partnership with Homeowners Mortgage is now offering 1st Mortgage Loans. The process is so easy. You can apply online and have a preliminary approval within minutes.
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Auto Loans

Competitive rates and terms make our auto loans affordable and easy to obtain.
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Fixed Rate Second Mortgage Loans

Your home is your greatest financial resource, therefore choosing a financial institution for a second mortgage can be a daunting task.
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Overdraft Line of Credit

Everyone everywhere has at one time or another overdrawn their checking account or needed money that just wasn’t in their checking account at the time!
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Personal Loans

Who better than us know that at certain times, you need cash and you need it fast. We here at Upstate can assist you in getting cash fast with our Personal Loans.
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Share Secured Loans

Borrow against your own shares or certificates for the best rates. This loan type is especially attractive for first time borrowers. All loan repayment histories are reported to the credit bureau.
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Undeveloped Land Loans

Thinking of building your dream home? Before you go any further, let Upstate Federal Credit Union help.
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Recreational Vehicle Loans

Upstate FCU offers loans for boats, motors, campers , trailers and motorcycles.
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Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration, A U.S. Government Agency
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration, A U.S. Government Agency
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.
America's Credit Unions