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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 5.49%* $250,000.00 Fixed 120
Home Equity Fixed 15 year term 5.49%* $250,000.00 Fixed 180
Home Equity Fixed 20 year term 5.49%* $250,000.00 Fixed 240
Home Equity Line of Credit (HELOC) 12 month introductory rate 3.49%** $250,000.00 Variable 240

 Maximum loan amount of $250,000

*APR – Annual Percentage Rate (APR) effective as of 4/1/21 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 up to 240 months at 100% Combined Loan to Value (CLTV). A $10,000 Home Equity Loan at 5.49% APR requires 60 monthly payments of $191.02 for principal and interest. Payment example does not include taxes and insurance (s), and the actual payment obligation may be greater. Disclosed rates are for applicants with the best credit score. Your rate may be higher.

This promotion is available for a limited time and may be withdrawn at any time. Effective 04/12/2021

** APR – Annual Percentage Rate.  The introductory rate of 3.49%, Annual Percentage Rate (APR) is a promotional rate and will not change until the first day of the 13th month after the day of the loan closing. If the promotion were not in effect, the Annual Percentage Rate would be 4.49%. After the promotional period, the loan will become a variable rate loan and the interest rate and payment may change. The interest rate is based on the highest prime rate published in the Wall Street Journal. On July 31, 2020 that prime rate was 3.25%. The current APR for a Home Equity Line of Credit using the prime rate plus 1.24% margin is 4.49%. The floor rate at the end of the initial 12-month period will be 4.49%, the rate will never exceed 11.24%. If applicable, your payments will change on the first day of the month. At no time during the life of your loan will your interest rate go below 4.49% after the one-year introductory rate, nor will it go any higher than 11.24%. Your rate change per year cannot exceed 2.00%. You can select a term of 20 years with a “draw period” of 7 years. Other restrictions may apply. Contact the credit union for more information about loan terms including the variable rate.

If the loan is paid off within two years, the borrower agrees to reimburse the Credit Union for closing costs initially waived in the amount of $750, and that the member authorizes the Credit Union to withdraw the money from their Credit Union account. Loan Rates disclosed are for applicants with the best credit record and current offer is subject to individual qualifying factors and may change at any time without notice, your rate may be higher.

Promotion is available for single family, owner-occupied, primary residence only, existing Home Equity lines of credit must increase their line of credit by $10,000 in order to qualify.  Excludes investment property, second and vacation homes, co-ops and single or double wide manufactured homes. Property insurance is required. Applicants must successfully meet our Home Equity Line credit standards. Not all members will qualify for this promotional offer. Alternative rates are available. Some Non-NJ Properties may have State Tax related closing costs. **Consult your tax advisor regarding your ability to deduct Home Equity Loan interest. Credit union membership required to apply for any of our products and services. Membership requires $100 deposit in the savings account to avoid any fees.  We only offer home equity loans in the following states: NJ, NY, PA, FL.

Maximum loan amount of $250,000

*APR – Annual Percentage Rate (APR) effective as of 4/1/21 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 up to 240 months at 100% Combined Loan to Value (CLTV). A $10,000 Home Equity Loan at 5.49% APR requires 60 monthly payments of $191.02 for principal and interest. Payment example does not include taxes and insurance (s), and the actual payment obligation may be greater. Disclosed rates are for applicants with the best credit score. Your rate may be higher.

This promotion is available for a limited time and may be withdrawn at any time. Effective 04/12/2021

** APR – Annual Percentage Rate.  The introductory rate of 3.49%, Annual Percentage Rate (APR) is a promotional rate and will not change until the first day of the 13th month after the day of the loan closing. If the promotion were not in effect, the Annual Percentage Rate would be 4.49%. After the promotional period, the loan will become a variable rate loan and the interest rate and payment may change. The interest rate is based on the highest prime rate published in the Wall Street Journal. On July 31, 2020 that prime rate was 3.25%. The current APR for a Home Equity Line of Credit using the prime rate plus 1.24% margin is 4.49%. The floor rate at the end of the initial 12-month period will be 4.49%, the rate will never exceed 11.24%. If applicable, your payments will change on the first day of the month. At no time during the life of your loan will your interest rate go below 4.49% after the one-year introductory rate, nor will it go any higher than 11.24%. Your rate change per year cannot exceed 2.00%. You can select a term of 20 years with a “draw period” of 7 years. Other restrictions may apply. Contact the credit union for more information about loan terms including the variable rate.

If the loan is paid off within two years, the borrower agrees to reimburse the Credit Union for closing costs initially waived in the amount of $750, and that the member authorizes the Credit Union to withdraw the money from their Credit Union account. Loan Rates disclosed are for applicants with the best credit record and current offer is subject to individual qualifying factors and may change at any time without notice, your rate may be higher.

Promotion is available for single family, owner-occupied, primary residence only, existing Home Equity lines of credit must increase their line of credit by $10,000 in order to qualify.  Excludes investment property, second and vacation homes, co-ops and single or double wide manufactured homes. Property insurance is required. Applicants must successfully meet our Home Equity Line credit standards. Not all members will qualify for this promotional offer. Alternative rates are available. Some Non-NJ Properties may have State Tax related closing costs. **Consult your tax advisor regarding your ability to deduct Home Equity Loan interest. Credit union membership required to apply for any of our products and services. Membership requires $100 deposit in the savings account to avoid any fees.  We only offer home equity loans in the following states: NJ, NY, PA, FL.