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Home Equity Line of Credit

Borrow up to 100% of the Equity in your New Jersey or Pennsylvania Home

We're here to help you get the cash you need, when you need it. Whether you’re looking to consolidate debt, make upgrades to your home or cover unexpected expenses, now you can with an Atlantic Federal 100% loan-to-value Home Equity Line of Credit (HELOC). Borrow up to your home's full value, minus your first mortgage balance. You pay only when you borrow money and as you make payments to us, those funds become available to you again.

Features

Get rates as low as 3.00% APR*!
No Application Fees & No Closing Costs**
10 year draw period; 15 year repayment period
Free convenience checks to easily access account
No pre-payment fees
Optional Payment Protection Plan

Download an Application and the Terms of Agreement or Apply Online.

NMLS Registry Information for Atlantic Federal Credit Union Mortgage Loan Originators

*APR=Annual percentage rate. Based on 80% loan to value, direct deposit and automatic payment. Variable rate based on the prime rate plus or minus an index which is determined depending on loan to value, credit worthiness & adjusted quarterly. Loans limited to NJ and PA owner occupied 1-2 family dwellings. Rates are subject to change without notice. **$0 closing costs and refinance fee will be waived for credit lines of $50,000 or greater. $500 refinance fee for existing Atlantic Federal real estate loans below $50,000. $109 tax service fee may apply.

My husband and I have been long standing members of Atlantic Federal Credit Union. We needed a patient, thorough and professional person to assess our {needs}. Adam embodied all of these characteristics and more!! He was always responsive and guided us through the entire process. Even during Covid practices, I never once felt that the personal touch was lost. We are extremely happy with the process and proud to be a member.

Clyde & Jacqueline
Atlantic Federal Credit Union, you have Always been available when I needed You!!
Onee
Thank you so much for taking the time to show us how much your organization cares. This is why me and my family bank with your organization!

Sonia
Member Services representative at the Kenilworth branch, Tammy, is amazing. She is knowledgeable, helpful, and most important to me: extremely courteous. Tammy deserves a huge shout-out!
Leta
Always a great experience with the employees. The tellers always offer help or suggestions. Ginny, Nara, and Donna are awesome!
Ivy
I want to thank you, Adam for all your work with my loan app. You have been such a blessing to me. You are an asset to the Credit Union.

Viola
The best Credit Union I ever used!
Eugene
What a great Credit Union…even before I was a member I felt welcomed. I love the customer service, your mobile app and your services. Keep up the excellent work, you have me as a member for life.
Kirkston
I've been with Atlantic Federal for more than 20 years. Great customer service and I love the Holiday and Vacation Clubs.
Wanda
Thank you! Great customer service, great products! I left the “big” banks; now Atlantic Federal is my primary bank.
Ty
I’ve been an Atlantic Federal member for years! I'm very satisfied with the service.
Nelly
I’ve been a member of MY CREDIT UNION since 2001. I wouldn’t EVER go anywhere else. Atlantic Federal is my family. There are too many pleasant and courteous staff members to try to name!
Chamecca
Very good place to bank at – loans have very low interest and the Atlantic Federal staff is so easy to deal with. Great service!
LaQuan
My experience with Atlantic Federal has been exceptional! I have told anyone who will listen how great the Credit Union's service is.

Halima
Working with you guys was basically a complete 180 from working with the last bank…so thank you again and we will absolutely be recommending you to all of our friends who are looking for mortgages.

Heather
Yvana has been my go to person at the Credit Union for many years. I know that whenever I have an issue I can always call on her at any time and she won't hesitate to help me out. Recently, my debit card was compromised and I noticed it after business hours so I wasn't sure of the proper protocol. I called Yvana, she walked me through the entire process and I came in the next morning to resolve the issue with Eileen, who was also a great help. The Credit Union is lucky to have such dedicated employees.

Justin
I was worried about how I was going to fund some of my daughter's college tuition. Well thank goodness for Ms. Magaly. She told me to sit down, relax and explain my needs. I was truly expecting to be denied once again like at one of those banks that I've dealt with in the past. Then she said "We have a loan that fits your needs and you qualify!" All my worries suddenly went away. I can say that she definitely puts the members first.

Nathaniel
I made it to the Kenilworth branch just before the 5 pm closing. Even though it was late, Roberto patiently processed my loan – I’m sure on his own time. Then there’s Karina, who is so helpful and always has a smile. If I had a company, these people would be working for me! You’re lucky to have staff members of this caliber!

Ed
I am writing today to commend Lynn and express my gratitude for the high quality customer service she always provides whenever I call the Credit Union. She is professional, courteous and patient. I can feel her smile each and every time we talk on the phone.

Elissa
I recently had an emergency and needed a Home Equity loan quickly. My initial contact was with Aida and the loan was finalized by Sabrina. This was a very stressful time for me and both of these women were professional, patient, knowledgeable and considerate. They answered all of my questions, explained the various options as well as the process. They are an asset to the Credit Union.

Sandra