Turn Your Home’s Equity Into Financial Flexibility in 2026
Enjoy a 5.99% introductory APR* for the first 12 months with a Home Equity Line of Credit from Princeton Federal Credit Union.
Thereafter, rate as low as Prime + a margin based on credit score and LTV ratio. Variable interest rates may adjust monthly based on the Prime Rate
As your home grows in value, your possibilities grow too. Whether you’re updating your space, planning a big milestone, helping family, or simply creating breathing room in your budget, a Home Equity Loan or Line of Credit can give you the room to grow — on your terms.
Apply between May 1 – June 30, 2026 and enjoy NO APPLICATION FEE, a $249 savings.
Apply your way:
Apply by phone at 800‑456‑5038, Option 3
Apply in person by visiting 774 Alexander Road in Princeton
Apply Online
Home Equity Loans
As low as % APR*
Fixed interest rate and monthly payment
Financing available up to a 20-year term
Borrow up to 85% of the appraised value of your home minus the first mortgage balance
Interest paid on the loan may be tax deductible -- check with your tax advisor
No penalty for an early payoff
Use the equity in your home to refinance, renovate, or reward yourself!
Home Equity Loans and HELOCs are offered in NJ and PA only.
Home Equity Line of Credit (HELOC)
Did you know that you can spend a HELOC on virtually anything you wish? It doesn’t have to be for home repairs! While home repairs are a common use for this variable line of credit, you could also use this to fund a family vacation, or pay for college tuition!
5.99% Introductory APR* for the first 12 months.
Thereafter, rate as low as Prime + a margin based on credit score and LTV ratio
Variable interest rates may adjust monthly based on the Prime Rate
Variable payment loan
Draw funds up to 5 years
Following that 5-year draw period, minimum payment is always 1% of balance at EOM + interest.
Take up to 15 years to pay it back thereafter
Access funds via Online Banking and courtesy checks
Home Equity & HELOC Terms and Conditions
Home Equity
*APR means Annual Percentage Rate. Rates in effect are subject to change at any time. No application fee when you apply May 1-June 30, 2026. Loan is subject to credit approval. Minimum loan amount $5,000.00. **Add 0.50% APR if payment is not auto-deducted from a PFCU checking account monthly with full direct deposit.
The monthly payment per $1,000 at 5.99% for 120 months would be $11.10. The monthly payment per $1,000 at 7.49% for 180 months would be $8.43. The monthly payment per $1,000 at 7.99% for 240 months would be $9.26. Loan decisions and rates are based on applicant creditworthiness. Home Equity Loans are available in NJ and PA. Must be a PFCU member in good standing and meet all lending requirements. Insured by NCUA. Equal Housing Lender.
HELOC
*APR= Annual Percentage Rate. 5.99% Introductory APR is fixed for the first 12 months of the loan. Once the introductory rate expires, the APR will vary; PFCU members refinancing may be eligible for the introductory rate after three years from their original closing date. Rates effective May 1, 2026, and are subject to change. Your APR is based on Prime Rate as published in the Wall Street Journal, plus a margin determined after appraisal has been completed. Up to 80% LTV, the rate is as low as Prime +0.25%; for 80.01% to 85% LTV, rate is as low as Prime + 1.00%. For example, for a most qualified borrower, a HELOC up to 80% LTV, the rate is 7.00% APR. The maximum APR is 18% or the maximum permitted by law, whichever is less. Prime rate effective April 1, 2026 is 6.75%. Minimum credit limit is $5K. Loan decisions and rates are based on applicant creditworthiness. HELOCs only eligible for properties in NJ or PA. Must be a PFCU Member in good standing and meet all lending requirements. Insured by NCUA. Equal Housing Lender.
NMLS ID# 630735
Home Equity Loan Rates
Last updated June 1, 2026
| Type | Lien | Min. Amt. to Borrow | Max. Amt. to Borrow | APR* as low as | Max. Term (months) | Payment per $1,000 |
|---|---|---|---|---|---|---|
| up to 75% LTV | 1st | $5,000.00 | $1,000,000.00 | % APR* | 60 | $ |
| 1st | $5,000.00 | $1,000,000.00 | % APR* | 120 | $ | |
| 1st | $5,000.00 | $1,000,000.00 | % APR* | 180 | $ | |
| 1st | $5,000.00 | $1,000,000.00 | % APR* | 240 | $ | |
| 80% LTV | 1st | $5,000.00 | $1,000,000.00 | % APR* | 60 | $ |
| 1st | $5,000.00 | $1,000,000.00 | % APR* | 120 | $ | |
| 1st | $5,000.00 | $1,000,000.00 | % APR* | 180 | $ | |
| 1st | $5,000.00 | $1,000,000.00 | % APR* | 240 | $ | |
| 85% LTV | 1st | $5,000.00 | $1,000,000.00 | % APR* | 60 | $ |
| 1st | $5,000.00 | $1,000,000.00 | % APR* | 120 | $ | |
| 1st | $5,000.00 | $1,000,000.00 | % APR* | 180 | $ | |
| 1st | $5,000.00 | $1,000,000.00 | % APR* | 240 | $ | |
| up to 75% LTV | 2nd | $5,000.00 | $1,000,000.00 | % APR* | 60 | $ |
| 2nd | $5,000.00 | $1,000,000.00 | % APR* | 120 | $ | |
| 2nd | $5,000.00 | $1,000,000.00 | % APR* | 180 | $ | |
| 2nd | $5,000.00 | $1,000,000.00 | % APR* | 240 | $ | |
| 80% LTV | 2nd | $5,000.00 | $1,000,000.00 | % APR* | 60 | $ |
| 2nd | $5,000.00 | $1,000,000.00 | % APR* | 120 | $ | |
| 2nd | $5,000.00 | $1,000,000.00 | % APR* | 180 | $ | |
| 2nd | $5,000.00 | $1,000,000.00 | % APR* | 240 | $ | |
| 85% LTV | 2nd | $5,000.00 | $1,000,000.00 | % APR* | 60 | $ |
| 2nd | $5,000.00 | $1,000,000.00 | % APR* | 120 | $ | |
| 2nd | $5,000.00 | $1,000,000.00 | % APR* | 180 | $ | |
| 2nd | $5,000.00 | $1,000,000.00 | % APR* | 240 | $ |