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Home Loan Rates

What dream can we help you with today?

Here are our rates on our Mortgage and Home Equity Products.

Mortgages

See today’s featured rates at our online Mortgage Center. Ready to get started? Apply for a mortgage today.

Fixed-Rate Home Equity Loans 80% Loan-to-Value (LTV)

Fixed-Rate Home Equity Loans 80% Loan-to-Value (LTV) | Current as of July 14, 2024
Term Annual Percentage Rate (APR) as low as1:
5 Years 6.49%
7 Years 6.74%
10 Years 6.99%
15 Years 7.24%
20 Years 7.49%
1

Fixed rates available. Rates are subject to change without notice. Loan is subject to credit approval. Minimum loan amount is $10,000.00. Maximum loan amount is $500,000.00. The loan payment is $19.56 per $1,000.00 borrowed at 6.49% APR for 60 months (5 years). APR may vary depending on individual credit history. Rates are effective June 13, 2024.

Fixed-Rate Home Equity Loans 90% Loan-to-Value (LTV)

Fixed-Rate Home Equity Loans2 90% Loan-to-Value (LTV) | Current as of July 14, 2024
Term Annual Percentage Rate (APR) as low as2:
5 Years 7.74%
7 Years 8.24%
10 Years 8.49%
15 Years 8.74%
2

Fixed rates available. Rates subject to change without notice. Subject to credit approval. Minimum loan amount is $10,000.00. Maximum loan amount is $500,000.00. The loan payment is $20.15 per $1,000.00 borrowed at 7.74% APR for 60 months. APR may vary depending on individual credit history. Rates are effective June 13, 2024.

Variable Home Equity Line of Credit (HELOC)

Variable Home Equity Line of Credit (HELOC) | Current as of July 14, 2024
Percent of Home Value Annual Percentage Rate (APR) as low as3:
80% 8.99%
90% 9.99%
3

APR = Annual Percentage Rate. APR is subject to change without notice. The variable APR applicable to your account will be indexed to the Prime Rate as published in the Wall Street Journal. As of July 27, 2023, the current Prime Rate is 8.50%. The maximum combined loan to value for all liens is 80% to receive a rate as low as 8.99% APR and is 90% to receive a rate as low as 9.99% APR. APR that can apply is 18.00% or the maximum permitted by law, whichever is less. APR may vary depending on credit history. Homeowners insurance is required. Flood insurance is required where necessary. Member eligibility required. A five-dollar ($5.00) donation to the CU of NJ Foundation qualifies you for membership if you’re not already eligible through an employer group.

Enjoy the freedom to prosper. If you have questions about Home Loan Rates, just give us a call at 609.538.4061 or 800.538.4061, email us at memberservices@cunj.org, or stop by one of our branches.

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1

Fixed rates available. Rates are subject to change without notice. Loan is subject to credit approval. Minimum loan amount is $10,000.00. Maximum loan amount is $500,000.00. The loan payment is $19.56 per $1,000.00 borrowed at 6.49% APR for 60 months (5 years). APR may vary depending on individual credit history. Rates are effective June 13, 2024.

2

Fixed rates available. Rates subject to change without notice. Subject to credit approval. Minimum loan amount is $10,000.00. Maximum loan amount is $500,000.00. The loan payment is $20.15 per $1,000.00 borrowed at 7.74% APR for 60 months. APR may vary depending on individual credit history. Rates are effective June 13, 2024.

3

APR = Annual Percentage Rate. APR is subject to change without notice. The variable APR applicable to your account will be indexed to the Prime Rate as published in the Wall Street Journal. As of July 27, 2023, the current Prime Rate is 8.50%. The maximum combined loan to value for all liens is 80% to receive a rate as low as 8.99% APR and is 90% to receive a rate as low as 9.99% APR. APR that can apply is 18.00% or the maximum permitted by law, whichever is less. APR may vary depending on credit history. Homeowners insurance is required. Flood insurance is required where necessary. Member eligibility required. A five-dollar ($5.00) donation to the CU of NJ Foundation qualifies you for membership if you’re not already eligible through an employer group.

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