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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

Fixed Rate Home Equity Loans

Use the equity in your home to find solutions to your everyday needs. By taking advantage of an NJFCU Home Equity Loan, you can meet endless possibilities.

as low as 6.00% APR*

Benefits:

  • No Application Fees1
  • Fixed Rate option available
  • Outstanding Rates with flexible terms
  • Rates option available up to 80%
  • Combined Loan-to-Value
1Appraisal fees will apply.
*APR = Annual Percentage Rate. Stated 6.00% 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 6.00% APR requires 60 monthly payments of $193.37 for principal and interest. Disclosed rates are for applicants with the best credit score. Your rate may be higher.

Rates Effective as of June 1, 2024

North Jersey FCU reserves the right to change the rates without notice if necessary. There are times when this update may be experiencing technical difficulties and may not be able to be updated in a timely fashion. APR = Annual Percentage Rate. Restrictions may apply. Rate determined by credit score. Other rates may apply. We attempt to keep this page as updated as possible. However, from time to time system maintenance and other circumstances may prevent us from doing so. Therefore any rates quoted on this web page are subject to change. We are not financially responsible for typographical errors.

The information in the rate table below may not fully be viewable on certain smaller resolution devices. Please scroll the table contents or you can rotate your device to landscape orientation to ensure you are viewing the entire table contents.

Fixed Home Equity Loan Rates

Term YearsAPR* (Annual Percentage Rate)
5 yrsas low as6.00%
10 yrsas low as6.25%
15 yrsas low as6.75%
20 yrsas low as7.00%

*APR = Annual Percentage Rate. Stated 6.00% 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 6.00% APR requires 60 monthly payments of $193.37 for principal and interest. Disclosed rates are for applicants with the best credit score. Your rate may be higher.

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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Not Yet a Member?

Apply for a Loan, get a decision, become a North Jersey Federal CU Member. Click “Apply Today” to start!

For more information, contact our Mortgage Department Call 973-785-9200 ext. 1966 or email: [email protected]

Additional Mortgage Products:

Fixed Rate Mortgage

Fixed Rate Mortgage

Our mortgage team works with you to ensure that you get the options tailored to meet your needs.

Adjustable Rate Mortgage (ARM)

Adjustable Rate Mortgage

With An NJFCU Adjustable Rate Mortgage (ARM) you will discover cost saving features like competitive rates with a confident credit union.