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.

  • Borrow Up To $300,000 or 85% LTV (based on your credit history)*
  • Low Fixed Rate
  • Terms Up to 20 Years
  • Interest Is Usually Tax Deductible**

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Home Equity Lines of Credit

Borrow the money you want, as you need it. You pay interest only on your outstanding balance. As you pay back what you borrowed, you can draw that amount again or more, up to your line of credit limit.

  • 80% LTV (based on your credit history)
  • 20 Year Term with a 15 Year Payback
  • Revolving Variable Rate
  • Interest Is Usually Tax Deductible**
  • Rate Is Based On The Prime Rate plus 0% (with automatic payments)***

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 homes in New York, Pennsylvania, New Jersey, Delaware and Maryland.
***Prime Rate as published in the Wall Street Journal plus 0.0% APR (Annual Percentage Rate) with automatic payments or the Prime Rate plus .50% APR for Coupon Book payments.