Please be aware of a recent phone scam where a caller says they are from Raritan Bay FCU and asks for personal information. We will never call you and ask you for personal information such as account number social security number, etc. Do not give out any personal information and if you have any questions or concerns, reach out to us directly at 732-727-3500.

Home Equity Line of Credit (HELOC)


Home Equity Line of Credit (HELOC)

Cash in on your home’s equity with a home equity line of credit (HELOC). Similar to a credit card, a HELOC provides you with revolving credit — perfect for ongoing expenses, like renovating your kitchen. There’s no need to reapply once you’ve been approved. Just draw from available funds whenever you need to make a purchase.

We offer affordable rates and customizable terms that will work with your budget. Contact one of our lenders today to get an answer quickly.

  • Competitive rates for a wide range of ongoing expenses (Home improvements, Medical expenses, Renovation projects, and much more!)
  • The interest paid may be tax deductible*
  • Credit life insurance and disability insurance available
  • Local decision-making and processing right here in New Jersey
  • Direct, anytime access to funds without reapplying
  • Revolving credit — when you repay, your limit is replenished for future borrowing
  • Affordable payment plans
  • Only pay interest on the part that’s used
  • Customized, friendly service from our experienced lending team
Apply Now
*Consult a tax advisor.

Automatically become a member by opening an account.

Becoming a member is easy as 1, 2, 3!
1. Open a savings account.
2. Deposit $5.
3. Enjoy the benefits of Credit Union Membership.

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A member service representative is standing by to answer any questions you may have about our home equity line of credit options.

Submit Questions below or Call Us at (732)-727-3500