Economic Stimulus Check Information
If you are expecting a stimulus payment, the date it is posted to your account is determined when the IRS releases the payment. Several days before the payment is posted to your account, you may be able to see the payment as pending. This is our notification that the payment is on its way.
We offer a wide selection of mortgage and home equity products to satisfy your home-related goals, including:
$2,500 Bonus
First time homebuyers enjoy your first 2 mortgage payments on us!*
Serving Columbia County, NY and Berkshire County, MA
*Subject to credit approval. Valid for 2 monthly payments of up to $1,250 each, or a maximum of $2,500. Only valid for First-Time Homebuyers toward adjustable rate mortgages. Offer expires 12/31/20.
Borrow money against your home's value!
*Closing costs paid on the borrower's behalf for Berkshire County properties only. Some restrictions may apply. Borrower may be responsible for repayment of these costs to Greylock if they refinance within 36 months.
You may borrow up to a percentage of the value that you actually own. Your home equity is defined as the value of your home minus what you still owe on any mortgages for the property. A loan against the equity that you have in your home is referred to as a home equity loan.
Home equity loans may be used for any purpose. Many people use them as a source of money for making home improvements, fund education or consolidate other loans and to take advantage of lower interest rates.
Get easy access to your home's equity
HELOC 80% LTV
***You may have to reimburse the credit union for any fees/closing costs paid on your behalf if the Home Equity Line of Credit plan is closed within the first three years. Property insurance required.
Remodel the house. Head off to college. Take your dream vacation. The flexibility of a Home Equity Line of Credit makes financing easy.
HELOCs have an interest-only payment feature and there are no loan-advance fees, annual fees or closing costs (for first time applicants). You can make advances by simply writing a check, by visiting one of our branches, or by performing a transfer through Online Banking.
Get a customized rate quote that matches your home financing needs.
Loan Type | Loan to Value | Interest Rate | APR1 | Monthly Payment Per $1000 Borrowed | Alert Me |
---|---|---|---|---|---|
Home Equity LOC | Up to 80% | Variable Prime + 0% | 3.25%2 | N/A | Receive a notification when this rate changes |
Home Equity LOC | Up to 100% | Variable Prime +2% | 5.25%2 | N/A | Receive a notification when this rate changes |
Loan Type | Loan to Value | Term | APR1 | Monthly Payment Per $1000 Borrowed | Alert Me |
Home Equity Loan | Up to 80% | 15 Years | 3.25%2 | $7.03 | Receive a notification when this rate changes |
Up to 100% | 15 Years | 5.25%2 | $8.04 | Receive a notification when this rate changes | |
Subject to credit approval. Fees and Charges: The credit union pays third party fees for new participants unless you close the plan within three years. In that case, you may have to reimburse the credit union for any fees paid on your behalf. If you refinance an existing Home Equity with Greylock then you may pay certain fees to third parties to open the plan. These fees generally total between $500 and $600. If you ask, we will provide you with an itemization of the fees you will have to pay to third parties. Property Insurance: You must carry insurance on the property that secures this plan. Rate Changes: For Home Equity Lines of Credit, the annual percentage rate can change on the first day of each month. The rate cannot increase or decrease more than 1 percentage point at each adjustment. The maximum ANNUAL PERCENTAGE RATE that can apply is 18%. For properties located in New York State, borrowers are subject to a mortgage tax fee of 1.25% of loan amount. | |||||
Log into your Online Banking account or Mobile Banking app and make a transfer. OR make a one-time payment with BillMatrix.
Please send to:
150 West Street
Pittsfield, MA 01201
Visit any of our branch locations. Please bring a photo ID such as a Driver's License for identification.
Available at the following branches: Adams, North Adams, Great Barrington, Lanesborough, Merrill Road in Pittsfield and at Greylock Insurance Agency - Allendale Shopping Center in Pittsfield.