The Southern Chautauqua Federal Credit Union is a home equity loan from Southern Chautauqua Federal Credit Union. The ongoing APR is Fixed Rate Home Equity Fixed APR As Low As: 0 - 60 months 6.99%; 61 - 120 months 6.99%; 121 - 240 months 6.99% (Rate Effective Date: 9/09/2026). Loan terms: 0 - 60 months, 61 - 120 months, 121 - 240 months.