This Summer dream bigger with a HELOC
Make more possible with an affordable Home Equity Line of Credit
Let's Get Started
This Summer, dream bigger with a Home Equity Line of Credit
Whether you’re refreshing your home or planning ahead, simplifying your payments has never been easier or more rewarding.
- Enjoy lower rates compared to most credit cards and personal loans.
- Convenient access to funds whenever you need them.
Why a Home Equity Line of Credit?
- Lower rates than most credit cards
- Quick access to cash for spring memories
- One easy payment just in time for family fun
Let's get started!
Want to learn more about our Home Equity Line of Credit. We’re here to help!
Disclosures
* APR=Annual Percentage Rate. The introductory rate of 4.99% APR is good for three (3) months from the loan disbursement date, then APR is variable based on the Wall Street Journal Prime Rate minus 0.25% to Prime Rate plus 3.25%, depending on credit worthiness, and is not to exceed 16% APR. Prime rate as of 3/25/26 is 6.75% 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 0.25% discount for automatic payments from a qualifying UTF deposit account and 80% CLTV (Combined Loan to Value). May not exceed 90% CLTV. Max Line amount is $350,000.00. Minimum initial draw of $30,000.00 required for introductory rate and to waive closing costs. Limited Time Offer: April 1, 2026 – June 30, 2026. 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. Equal Housing Lender.