Home Equity Line of Credit

Atlantic Federal offers Home Equity Lines of Credit that give you the cash you need to make home improvements, buy a car or to cover unexpected expenses when the need arises. You pay only when you borrow money and as you make payments to us, those funds become available to you again.

Get rates as low as 5.25% APR*!


  • Borrow up to 100% of the equity in your New Jersey or Pennsylvania home
  • Low closing costs**
  • Ten year draw period
  • Take up to 15 years to repay
  • Free convenience checks to easily access account
  • No pre-payment fees
  • Interest paid is generally tax deductible***
  • Low $25 appraisal fee
  • In-house service for better efficiency
  • Optional Payment Protection Plan

See our current rates 

Variable rate based on the prime rate plus an index and adjusted quarterly. 

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.  Other rates for higher loan values.  Variable rate based on the prime rate plus or minus an index which is determined depending on loan to value & adjusted quarterly.   Loans limited to NJ and PA owner occupied 1-2 family dwellings. Rates in effect as of May 15, 2019 and are subject to change without notice.  **$500 refinance fee for existing Atlantic Federal real estate loans. $109 tax service fee may apply. ***Consult your tax advisor.