All of our branches will be CLOSED Monday, January 18th in observance of Martin Luther King Jr. Day. We will reopen during normal business hours on Tuesday, January 19th. As always, you will be able to access your accounts via Online, Mobile or Telephone Banking and at any of our nearly 85,000 fee-free ATMs.
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Please note: Our Bill Pay Service has been restored for iOS mobile app users with version 14.03. Please update our Greater Alliance FCU iOS app in the app store. If you have any questions, please call 201-599-5500. We apologize for the inconvenience.

100% Home Equity Loan & Line Rates

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  • 100% Home Equity Loan & Line Rates
Product APR* Maximum Loan Type Terms (Months)
Home Equity Fixed 5 year term 5.49%* $250,000.00 Fixed 60
Home Equity Fixed 10 year term 5.74%* $250,000.00 Fixed 120
Home Equity Fixed 15 year term 5.99%* $250,000.00 Fixed 180
Home Equity Fixed 20 year term 6.49%* $250,000.00 Fixed 240
Home Equity Line of Credit (HELOC) 20 year term 4.49%** $250,000.00 Variable 240
*APR – Annual Percentage Rate (APR) effective as of 8/3/20 and  is subject to change without notice, and applies to loan-to-value (LTV) ratio of up to 100% and a loan amount of up to $250,000. APR may vary depending on creditworthiness, loan amount, and loan-to-value.
**APR = Annual Percentage Rate. Stated 5.49% APR applies to a Fixed Rate Home Equity Loan with a term of 60 months at 100% Combined Loan to Value (CLTV). A $10,000 Home Equity Loan at 5.49% APR requires 60 monthly payments of $190.97 for principal and interest. Payment example does not include taxes and insurance (s), and the actual payment obligation may be greater. Other rates and terms are available. This rate is for borrowers with the best credit and your interest rate may be higher.

Rates

*APR – Annual Percentage Rate (APR) effective as of 8/3/20 and  is subject to change without notice, and applies to loan-to-value (LTV) ratio of up to 100% and a loan amount of up to $250,000. APR may vary depending on creditworthiness, loan amount, and loan-to-value.
**APR = Annual Percentage Rate. Stated 5.49% APR applies to a Fixed Rate Home Equity Loan with a term of 60 months at 100% Combined Loan to Value (CLTV). A $10,000 Home Equity Loan at 5.49% APR requires 60 monthly payments of $190.97 for principal and interest. Payment example does not include taxes and insurance (s), and the actual payment obligation may be greater. Other rates and terms are available. This rate is for borrowers with the best credit and your interest rate may be higher.