Couple kitchen

Design Your Dreams. Fund Your Reality.

Make Your Dreams Possible with a Home Equity Line of Credit


What are you dreaming of?

With competitive rates and flexible terms, leverage the equity in your home to make improvements for that dream kitchen or achieve other goals.

Home Improvement | Debt Consolidation | Education Expenses | And more!

Borrow what you need, when you need

Home Equity Rates



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* We’d Like You To Know: APR=Annual Percentage Rate. Introductory rate of 5.99% APR is good for six (6) months from loan disbursement date, then APR is variable based on the Wall Street Journal Prime Rate minus 0.50% to Prime Rate plus 3.25%, depending on credit worthiness. The Prime Rate as of 7/26/2023 is 8.50% APR. Prime rate may change at any time without notice. The rate will be adjusted monthly on the 1st of the month following a change in the Prime Rate. Advertised rate reflects a .25% discount for automatic payments from a qualifying UTF deposit account and 80% CLTV (Combined Loan to Value). Max Line amount is $250,000.00. 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.