Home Equity Line of Credit | Atlantic Federal Credit Union
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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.


  • 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.

  • 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.

  • 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.