Home About Genesee Co-op Contact Us Become a Member Online Banking Login Search Site Services Loans Mortgages Rates Financial Education Home/Mortgages/Home Improvement Loans Fixed Rate Home Improvement Loans If you are in need of money to work on your home, and don't want or qualify for our HELOC product, we offer fixed rate home improvement loans. The maximum term is 10 years. The loan is secured by a second mortgage on your home. There are minimal closing costs, which can often be paid for with proceeds from the loan In most cases, interest paid on a home improvement loan is tax-deductible*. Mortgages First Mortgages FHA, VA & USDA Financing Home Equity Line-of-Credit Home Improvement Loans Second Mortgages Our Members make the difference. Member Since 2001 "The credit union has helped me straighten out my credit so I could own a home. They helped me every step of the way to homeownership right down to recommending and suggesting various avenues to save money and providing me with my first mortgage. They have always been there to make recommendations when I needed financial advice. I'm a member for life because they've made such a difference in my life." June Capitulik LOST or STOLEN VISA Debit Card? Please call 1-888-241-2510. Contact Us 395 Gregory St. Rochester, NY 14620-1327 Phone: 585-461-2230 Fax: 585-461-3189 Get Directions Hours Mon, Tues, Wed 10am-5pm Thurs, Fri 10am-6pm Our telephone banking service and this website are accessible 24 hours, 7 days per week. Quick Links Learn about Services Check Rates Become a Member Send a Message Privacy Policy Site Map Federally insured by the NCUA ©2021 Genesee Co-op Federal Credit Union. All rights reserved.