Fix, repair or upgrade with our Home Equity Line of Credit.

Now is the time to tackle the larger items on that to-do list. From kitchen remodels and new decks to finally replacing that roof, our Home Equity Line of Credit is a simple and affordable solution to those areas in need of some TLC.

Features of our Home Equity Line of Credit

  • Great low rates
  • Terms up to 20 years, so your monthly payment will fit well within your budget
  • Borrow as little as $5,000 and as much as $500,000
  • Loan amounts up to 90% of your home’s value minus your first mortgage and any other liens on this property

Act now and we’ll even throw in a $250 gift card to Lowe’s² to help you finish the job.

Rates as low as 3.74% APR¹
Repayment up to 15 years
Lowes

Understanding HELOCs:

Although they’re great for home improvements and fixes, Home Equity Lines of Credit can be used for anything you want. From a new deck to consolidating high-interest debt, they have the ability to stabilize not just your home, but your finances, too.

Take advantage of interest rates often lower than persona loans, and borrow as little as $5,000 up to $500,000. Apply today and enjoy the freedom to prosper—in the comfort of your home.

Apply today

or give us a call at 609.538.4061 or 800.538.4061.

We have options.

If you know how much a project is going to cost or just prefer to take out a lump sum with a known monthly payment and payback term, then our Home Equity Loan—sometimes referred to as a second mortgage—is the perfect solution.

Features of our Home Equity Loan:

  • Great low rates
  • Terms up to 20 years, so your monthly payment will fit well within your budget
  • Borrow as little as $5,000 and as much as $500,000
  • Loan amounts up to 90% of your home’s value minus your first mortgage and any other liens on this property

Apply today

¹

APR = Annual Percentage Rate. APR is subject to change without notice. The variable APR applicable to your account will be indexed to the Prime Rate as published in the Wall Street Journal. As of 04/20/2021, the current Prime Rate is 3.25%. The maximum combined loan to value for all liens is 80% to receive a rate as low as 3.74% APR and is 90% to receive a rate as low as 4.74% APR. APR that can apply is 18.00% or the maximum permitted by law, whichever is less. APR may vary depending on credit history. Homeowners insurance is required. Flood insurance is required where necessary. Member eligibility required. A five-dollar ($5.00) donation to the CU of NJ Foundation qualifies you for membership if you’re not already eligible through an employer group.

²

Outstanding loan amounts of $25,000 or higher within the first 90 days of origination qualify for $250 gift card. Offer may be withdrawn without notice at the discretion of Credit Union of New Jersey.

Lowe’s and the Lowe’s logo are trademarks of Lowe’s Company, Inc. There is no affiliation between Lowe’s and Credit Union of New Jersey.

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