The Syracuse Cooperative Federal Credit Union is a home equity loan from Syracuse Cooperative Federal Credit Union. The ongoing APR is Rates as low as: up to 36 months 5.89%; 37 to 48 months 6.13%; 49 to 60 months 6.37%; 61 to 72 months 6.64%; 73 to 84 months 6.93% (APR, effective February 4, 2026). Loan terms: Terms up to 84 months (rate table).