Home Equity Line of Credit

Home Equity Line of Credit

Home Equity Line of Credit

Make Your Home Work for You with a

NJFCU Home Equity Line of Credit

Take advantage of the excellent rates North Jersey Federal Credit Union offers!

Great Introductory Home Equity Line of Credit rates as low as


1.99% APR*

For the first 6 – months


2.69 APR*

For the first 12 – months


For more information, contact our mortgage department at 973-785-9200 ext.3355 or email us at [email protected]

To better improve your application experience, our online home loan application has been updated to a more efficient platform.

Click here to begin your NJFCU
Online Home Mortgage Application

For more options, please contact our lending department directly at 973-785-9200 – prompt #2, and one of our Real Estate Officers can assist you with your request.

*APR=Annual Percentage Rate. Rates are subject to change without notice. Restrictions may apply. Rates are qualified members and are subject to credit approval and loan to value restrictions. Rates may vary depending on credit worthiness, loan amount, loan term and value of your home. All applications are subject to appraisal fees. Qualified members do not pay for the following fees: title fees, processing fees, settlement fees, underwriting fees or credit reports. The 1.99% rate is good for either 6 months and the 2.69% rate is good for 12 months then both convert to Prime+ 0. Promotion is for new money only 8 years to draw and 7 years to pay for a total of 15 year term. Minimum draw is $25,000. Minimum rate begins at the prime rate with a maximum rate of 18%. Minimum principal payment is $125. Cannot be combined with any other offers. Promotion can expire at any time.


The Elmwood Park ATM is currently down. Please visit our mobile app or one of our other convenient ATM locations to gain access to your account. Thank you.