Home Equity Loans

Make It Happen With Your Home Equity

Home RenoGet the money you need for any good reason. Consolidate bills, make home improvements, purchase a new vehicle or pay for an education. Simply choose a low interest Garden State Fixed Rate Home Equity Loan or Line of Credit.

Fixed Rate Home Equity Loans**

Your rate and monthly payment are fixed for the term of your loan. It’s the right choice when you want to know exactly how much your payment will be every month.

  • Purpose: Home Improvements up to 133% LTV borrow up to $250,000
  • For every other purpose: Closed end Home Equity up to 100% LTV borrow up to $250,000
  • Low Fixed Rate
  • Terms Up to 20 Years
  • Interest Is Usually Tax Deductible*

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Home Equity Line of Credit**

Borrow the money you want, as you need it, up to your credit limit. You pay interest only on your outstanding balance.

  • Up to 133% (based on your credit history)
  • Variable Rate
  • Interest Is Usually Tax Deductible*
  • Rate Is Based On The Prime Rate Plus Margin (with automatic payments). Call for details.**

Applying Is Fast & Easy

If you need help choosing the best Home Equity Loan option for your budget, call or stop by the credit union. When you’re ready, you can also apply online.

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*Check with your tax adviser. Home Equity Loan and Line of Credit tax-deductible interest eligibility depends on your specific tax situation. Most members qualify.
**Home Equity Loans and 2nd Mortgages are available only for primary residences in Pennsylvania and New Jersey.
***Prime Rate as published in the Wall Street Journal plus margin (with automatic payments). Call for details.