Everything you wanted. And $2,750 more.

Turn Your To-Dos into Triumphs

What’s on your to-do list? A home renovation? How about an unforgettable trip to Europe, or that gorgeous outdoor kitchen? Whatever to-do's you have, turn them into triumphs with a Home Equity Loan or Line of Credit.

For a limited time, when you get a Home Equity Loan or Home Equity Line of Credit, you'll be automatically entered to win $2,750*! Plus, two runners-up will receive $750 each—just imagine what you can do with this extra cash...

You can have everything you wanted. And $2,750 more. So what are you waiting for? Your triumphs await.

Our Home Equity Loans and Lines of Credit include:

  • Loan amounts from $10,000 to $500,000
  • Great rates with a variety of term options
  • With a fixed-rate Home Equity Loan, you can borrow up to 90% of your home's value (minus your mortgage and any liens)
  • With a variable-rate HELOC, you can borrow up to 80% of your home's value (minus your mortgage and any liens)
Apply Today

Not a homeowner yet? Upsizing? Downsizing?

Regardless of your life stage, we also offer first mortgages with a range of rate and term combinations to get you moved in ... or moving on. Our 24-Hour Mortgage Center can help you determine how much you can afford and then get you pre-approved.

Find Out More

or call our Real Estate Center at 800.880.0785.

Here's how we're helping our members with moderate incomes achieve the American dream of home ownership:

Home Ready® Mortgage

We've partnered with Fannie Mae to offer Home Ready® Mortgage, an affordable conventional home financing program for moderate and low-income families. Features of Home Ready® Mortgage include:

  • Offering low down payment options
  • Allowing Income support from extended family members
  • Allowing co-borrower flexibility
  • Accepting additional income sources

Make an appointment with one of our mortgage counselors today!

Schedule your appointment by calling 800.880.0785


All applications must be received by 10/31/2018 and loan disbursed prior to drawing date of 11/15/2018, to qualify for a chance to win home improvement grand prize of $2,750, second place prize of $750 and third place prize of $750. Minimum outstanding loan amount of $10,000 to qualify for entry into raffle prize drawing. One automatic entry to the raffle for each loan closed during the promotion period. No purchase necessary. To enter without purchase, mail a 3x5 card with name, email address, physical address and contact information to: Credit Union of New Jersey, Attn: Home Equity Loan Promotion, 1301 Parkway, Ave, Ewing, NJ 08628. Winners will be selected 11/15/2018 in a random drawing to be held by the credit union and will be notified by phone. Subject to change without notice and at the sole discretion of the credit union. One prize drawing entry per eligible loan.

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