Mortgage Center


Home Equity Loan

That feeling of wanting to break out in hives every time you look at your 1970s shag carpet – consider it gone. At SJFCU we’ll help you transition the existing equity in your home into affordable financing for a wide range of other personal needs – like getting your flooring up to this decade, for example.  Capitalize on competitive rates and budget-friendly repayment terms on amounts up to 90% of your home’s equity.

Rates as low as 3.99% APR

  • 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.

*Consult a tax advisor.