Turn your To-Do List into a “DONE” list

If you’ve been dreaming about a newly remodeled kitchen, an updated bathroom, new paint and carpeting or that backyard landscaping project – let us show you how we can help.  A home equity line of credit is a smart, economical way to tap into the equity of your home to borrow the cash you need. Use it for whatever you want or need:

  1. Home improvements
  2. Consolidating debts
  3. College tuition
  4. Bringing your dream vacation to life


A home equity loan gives you:

  1. Low introductory rate of 2.50% APR* for 6 months
  2. After the introductory rate, enjoy a Low fixed rate of 4.25% APR*
  3. No points, no fees, low closing costs
  4. 10-year draw period, 15-year repayment period
  5. Convenient personal checks for easy access
  6. Tax-deductible interest (consult your tax advisor)
    HURRY In! This offer ends June 30th


Apply Online!

  • We now offer members the option of signing their loan applications electronically using DocuSign.  The application process will only take 5-10 minutes to complete
  • Submit any required documents or the information can be sent in by email, fax or regular mail
    (copy of paystub and photo ID, passport or driver license is required)
  • After you’ve completed the online application, our Loan Supervisor will contact you

Make sure you have the following information accessible:

  • Your Social Security Number, employer name and phone number, and annual income amount
    (Information for any joint applicants, if applicable)


To Apply Simply Click Here

If you have any questions, we invite you to contact our Mortgage Department at 201-894-7389

*Membership requirements apply. Qualified borrowers only. Existing UFCU debt is not eligible. The APR of 2.50% is an introductory rate that applies for the first 6 months of the loan. Thereafter, your rate will change to the Prime Rate + .75% (With a minimum interest rate of 4.00). Your rate will be reviewed quarterly. The maximum Annual Percentage Rate that can apply is 18.0%, or the maximum permitted by law, whichever is less. Introductory Rate HELOCs require a minimum FICO credit score of 740, and a combined loan-to-value (total amount owed on your home, divided by the appraised value) not to exceed 80%. Property insurance required. UFCU reserves the right to withdraw this offer at any time. Heloc loan applications must be received by June 30, 2016 to take advantage of this rate. ** The tax deductibility of the interest paid on a HELOC is determined by individual circumstances. Consult with your tax advisor prior to applying.

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