Home Equity Lending
Navigate your way to a low Home Equity Rate. Our Home Equity Loan Rates have dropped! A Jersey Shore Home Equity Loan can give you up to $250,000 for home improvements, consolidating high-rate debt, making a big purchase, or any other reason!

Navigate Your Way To A Lower Rate!

Our new low Home Equity Loan rates will make your home your cost-effective source for funds!  We offer fixed rates as low as 2.99% APR* and no closing costs! Plus, enjoy low monthly payments with a 60-month term.
  • Up to 85% Loan to Value (LTV)
  • No application fees or points
  • No Closing Costs when you borrow $20,000 or more!
  • Longer terms available

Loans under $20,000 incur a $250 processing fee.

Choose the Term that Works for You

Home Equity Fixed-Rate Loan

Our Home Equity Loan is a fixed-rate, closed-end program, making it easy to budget your payments. With this loan, you borrow a lump sum and enjoy both a fixed rate and uniform monthly payments.

Home Equity Variable-Rate Line of Credit

Our Home Equity Line of Credit is a variable-rate, open-end program, allowing you to enjoy the convenience of borrowing only what you need when you need it. A line of credit allows you to draw money against your approved borrowing amount as you need it. You can access your credit line with convenience checks or visit any branch to make a withdrawal, and use the line for up to 10 years.†

Recently Reduced Rates!

Home Equity Loan Fixed Closed-End Program Rates

Effective Sep 17, 2020
Max Amount Financed Est. Term APR* as low as
Up to 85% LTV** up to $250,000 Up to 60 Months 2.99%
Up to 85% LTV** up to $250,000 Up to 84 Months 3.19%
Up to 85% LTV**up to $250,000 Up to 120 Months 3.49%
Up to 85% LTV** up to $250,000 Up to 180 Months 3.79%

Rates 1.00% APR higher for Investment Properties. With our closed-end Home Equity Loan you can borrow a set amount for any reason. Contact us for complete details. Investment property Home Equity Loan credit limit is up to $50,000. *APR = Annual Percentage Rate. **LTV = Loan To Value. ***85% Available to 1st lien position only. Consult a tax advisor about interest deductibility.

Home Equity Line of Credit Rates (Variable Rate APR)

Effective Apr 16, 2020
Max Amount Financed Est. Term APR* as low as
Up to 85% LTV** up to $250,000 10 Year Draw Period 3.50%

Our variable rate Home Equity Line of Credit (HELOC) allows you to establish your credit limit up to $250,000. Investment property HELOC credit limit is up to $50,000. Use it for any reason. Contact us for complete details. *APR = Annual Percentage Rate.**LTV = Loan To Value ***85% Available to 1st lien position only. Payment based on current rate and 240 month term. Maximum variable is 18.00% APR with a floor of 3.50% APR.  Consult a tax advisor about interest deductibility.

Apply Today!

There are several convenient ways to apply:

Insurance & Protection Options

Debt Protection with Life Plus

Jersey Shore Debt Protection with Life Plus is a voluntary loan-payment protection product designed to help you get relief from loan payments if a protected life event unexpectedly happens to you. Learn more about Debt Protection with Life Plus.

TruStage™ Auto & Home Insurance Program

Working with carefully selected insurance partners, the TruStage program can provide discounted insurance rates for credit union members, plus online services and 24/7 claims service. If you haven't compared auto or home insurance rates lately, it's a great time to take a look. Your credit union membership could result in some nice savings. Learn more about TruStage Insurance.

NMLS number for Jersey Shore Federal Credit Union is 771969.

† Line of credit subject to credit check annually.