Got a big dream or goal — or just want to do some repairs? Have your home pay for it with this affordable, fixed rate loan.
- Competitive Rates
- Customized Terms
- Local Decisions
- Awesome Service
- Competitive rates for a wide range of short-term or one-time needs:
- Fix up your house
- Consolidate your debt
- Pay tuition expenses
- Purchase a recreational vehicle
- And much more!
- Available on 1-4 family residential property in New Jersey and Pennsylvania
- Secured by the established equity in your home
- Finance up to 90% of the equity in your home
- Fixed rate terms (up to 20 years with a minimum of $75,000 financing)
- No appraisal fee*
- The interest paid may be tax deductible**
- No waiting period after joining — apply upon membership
- SJFCU requests that you maintain a minimum $25 Regular Savings balance when you have a loan
- Prompt decision-making and processing based in South Jersey
- Attentive service from our experienced staff every step of the way
*If credit line is paid and closed in the first 3 years, borrower will be responsible for reimbursing the credit union for all cost paid at closing. Member is still responsible to pay closing cost for credit limits over $100,000.00.
**Consult a tax advisor.