Fixed Rate Home Equity Loans
Use the equity in your home to find solutions to your everyday needs.
Solutions to your everyday needs
Home Equity Loan or a Home Equity Line of Credit
*APR = Annual Percentage Rate. Stated 6.25% APR applies to a Fixed Rate Home Equity Loan with a term of up to 240 months at 80% Combined Loan to Value (CLTV). A $10,000 Home Equity Loan at 6.25% APR requires 60 monthly payments of $194.47 for principal and interest. Disclosed rates are for applicants with the best credit score. Your rate may be higher. Rates are subject to change at any time without prior notice. Appraisal fees will apply.
5/1 Adjustable-rate mortgage (ARM)
Finance rates and APRs are valid as of 08/25/2025 and are subject to change without notice. As of 08/25/2025, a sample $100,000, 5/1 ARM conforming mortgage APR is subject to change daily, with a monthly payment of $8.58 per thousand. APRs are subject to change. Estimated monthly payment does not include taxes and insurance premiums, and the actual monthly payment will be greater. Program is available in New Jersey only for single-family, owner occupied 1-4 units , owner-occupied homes with a minimum loan amount of $100,000 and a maximum equal to conforming loan limits. Mortgage must be in first lien position. First adjusted interest rate cap 2.00%, Subsequent adjusted interest rate cap 2.00%, rate adjustment frequency of 12 months. Fees Apply.
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Fixed Home Equity Loan Rates
| Term Years | Interest | APR* (Annual Percentage Rate) |
|---|---|---|
| 5 yrs | as low as | 6.25% |
| 10 yrs | as low as | 6.50% |
| 15 yrs | as low as | 7.00% |
| 20 yrs | as low as | 7.25% |
*APR = Annual Percentage Rate. Stated 6.25% APR applies to a Fixed Rate Home Equity Loan with a term of up to 240 months at 80% Combined Loan to Value (CLTV). A processing fee of $150.00 applies. A $10,000 Home Equity Loan at 6.25% APR requires 60 monthly payments of $194.47 for principal and interest. Disclosed rates are for applicants with the best credit score. Your rate may be higher. Rates are subject to change at any time without prior notice. Appraisal fees will apply. Fees Apply.
A Simple Way to Reach Your Goals
Ready to start planning? Say you have enough equity in your home, and you’ve been dreaming about improving your home.
Consider applying for a low, fixed-rate home equity loan to renovate your home or expand your living space.
Need More Help with a Home Equity Loan?
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Additional Mortgage Products:
Fixed Rate Mortgage
Our mortgage team works with you to ensure that you get the options tailored to meet your needs.
Adjustable Rate Mortgage
With An NJFCU Adjustable Rate Mortgage (ARM) you will discover cost saving features like competitive rates with a confident credit union.