Your home is your
financial safety net.

Gain financial security with our Home Equity Line of Credit.

Use your home’s value to give you and your family a foothold during these difficult times. With our Home Equity Line of Credit, you’ll get an outstanding APR as low as 3.49% for the first 12 months*. What’s even better is that you’ll have money available to you if and when you need it, but you won’t need to pay anything on your HELOC until you do withdraw cash from it.

And while you’re sheltering in place, why not dip into a few of those DIY projects you’ve been putting off? Every qualifying Home Equity Line of Credit comes with a bonus $250 gift card to Lowe's**.

Apply today

Take comfort in your home.

Our Home Equity products give you the power to create financial stability for you and your family. With great low rates and terms up to 20 years, you can borrow as little as $5,000 and as much as $500,000. Apply today and enjoy the freedom to prosper—right at home.

Learn More

or give us a call at 609.538.4061 or 800.538.4061.

Here's how we're helping our members with moderate incomes achieve the American dream of home ownership:

Home Ready® Mortgage

We've partnered with Fannie Mae to offer Home Ready® Mortgage, an affordable conventional home financing program for moderate and low-income families. Features of Home Ready® Mortgage include:

  • Offering low down payment options
  • Allowing Income support from extended family members
  • Allowing co-borrower flexibility
  • Accepting additional income sources

Make an appointment with one of our mortgage counselors today!

Schedule your appointment by calling 800.880.0785


APR = Annual Percentage Rate. Home Equity Line of Credit introductory rate of 3.49% APR is fixed for the first 12 months from account opening. After that, rate is as low as 3.74% APR based on your creditworthiness. This is a variable APR and will be indexed to the Prime Rate as published in the Wall Street Journal. As of 03/16/2020, the Prime Rate is 3.25%. The maximum combined loan to value for all liens is 90%. The maximum line amount for this offer is $500,000 based on loan to value. Payments based on a 15-year repayment period. This offer is limited to new lines only for owner-occupied primary residences. Refinances of existing Home Equity Loans with Credit Union of New Jersey do not qualify for this offer. Homeowners insurance is required. Flood insurance is required where necessary. Initial draw of $5,000 is required; subsequent advances must be at least $500. A fee of $250 will be assessed if the loan is closed within the first 12 months of origination. Outstanding loan amounts of $25,000 or higher within first 90 days of origination qualify for a $250 gift card. Subject to credit approval. Additional terms and conditions apply. Offer may be withdrawn without notice at the discretion of Credit Union of New Jersey.


There is no affiliation or relationship between Lowe's Companies, Inc. and Credit Union of New Jersey.

Interested in receiving our newly renovated emails?