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Rates

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.

Key Features

  • 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!
  • 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.

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