FDIC

FDIC-Insured-Backed by the full faith and credit of the U.S. Government

FDIC

FDIC-Insured-Backed by the full faith and credit of the U.S. Government

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Routing Number: 221271935

Routing Number: 221271935

Why choose a home equity line of credit?

For a limited time, enjoy a 12 month introductory rate. After that, rates are often lower than a credit card [1]

Over a 10 year draw period, you can draw funds for home improvements, tuition payments, or to consolidate debt. After the draw period, you will pay off your balance in installments [1]

Draw funds up to your predetermined credit limit as you need, you don't need to use the whole line at once[1]

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[1] This Home Equity Line of Credit (HELOC) is available for 1-4 family, owner-occupied properties in New Jersey. Homeowners insurance is required, flood insurance may be required. Maximum combined LTV 75%. For any loan amount greater than $400,000, the borrower will be required to pay an appraisal fee of $525 to $675, depending on the number of units. Higher fees may apply for complex or remote properties. A mortgage recording fee is due at closing. The fee ranges from $50 to $60 depending on the county where the secured property is located. Maximum credit line is $500,000 and minimum credit line is $25,000 with a minimum draw of $100. During the 10-year draw period there is an annual fee of $75. If this HELOC is closed and/or paid in full before 24 months, an Early Termination Fee of $500 will be charged. View our rates page for more details. All loans are subject to credit approval.

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