Home Improvement

Dream. Do. Repeat.

Make your dreams possible with our Home Equity Line of Credit Special! Make home improvements, consolidate debt and more with an introductory low rate!


Equity in your home can give you great financial possibilities.

Using the equity in your home to secure your loan allows you to receive a better rate. Once approved you can draw and use the funds as needed with no restrictions as to how they are used. Make home repairs, pay for a wedding, consolidate debt and more. Best of all, you can draw and use the funds whenever you need them. Contact us and we’ll get you approved and closed quickly.

We've lowered our rates to help you do more!

  • 3.49
  • image of HELOC rate

Borrow what you need, when you need it at a reduced rate.

  • Home Improvement
  • College Tuition
  • Debt Consolidation
  • And more!

Call Today or Apply Online

Apply Online
Apply Online


The Rate of 3.49% is good for six (6) months from the loan disbursement date. Thereafter, the APR is subject to change based on the Wall Street Journal Prime Rate minus 0.75% to Prime Rate plus 3.25%, depending on credit worthiness. The advertised rate reflects a 0.25% discount for automatic payments from a qualifying UTF deposit account. The Prime Rate as of 2/2/2023 is 7.75% and may change at any time without notice. Your rate will be adjusted monthly on the 1st of the month following a change in the Prime Rate. Max Line amount is $350,000.00. Minimum initial draw of $30,000.00 required for introductory rate and to waive closing costs. Offer available to qualified borrowers on 1-4 family primary NJ residences. Offer not valid when refinancing existing UTF loans less than eight (8) years old. Property insurance is required. Offer may be discontinued at any time. For additional information call 866-462-5532. NMLS#402779. Federally insured by NCUA.