Solutions For Spring!


Solutions for Spring!

Spring is the time you notice all that needs to be done – maybe you’re ready to buy a new car, refurbish your home, start a business, or consolidate other debt for a lower monthly payment.

You can even buy a brand-new home through our mortgage partner, State Financial Network. As a member of Mercer County of NJ Teachers’ FCU, we’ve got the springtime money you need!

Apply for a Loan

A low-cost home equity loan can give you the money you need. And for a limited time, we’re waiving the application fee —  that’s a savings of $400! We’re also reducing our current fixed-rate home equity loan rates by 0.50% through September 30, 2021!

Accomplish It All

Home equity financing is one of your most economical sources of credit. You can tap into funds with a convenient line or a fixed-rate alternative. Both offer unique benefits, and with either option, you can borrow up to 80% of your home’s appraised value, less your first mortgage, up to $300,000.

This gives you maximum cash at your disposal!

Fixed-rate home equity loan

As low as 3.00% APR*

Rest easy with a set term and payment amount, knowing your payment will never change. You can use the funds for any reason, project, or purpose!

Home equity credit line

As low as 3.25% APR*

You’ll save with a low variable rate, and it’s handy for ongoing expenses or multiple projects. As you repay, your line is replenished for future use.

Potential tax benefits

Some homeowners may qualify for a tax deduction on the interest they pay on their equity loan. Contact your tax advisor for more specific information or find details on the IRS website.

Instant Savings!

Don’t stay locked in high-rate loans or credit cards from other lenders. Refinance with us and earn a $50 Refi Reward!* You’ll save with a better rate and lower monthly payments.

What’s your inspiration?

The beauty of home equity financing is the ability to use the funds for any purpose. The sky’s the limit with this financing option!

Home renovations

New vehicle



Dream vacation

College tuition

Debt consolidation

Anything you want!

Ready to Move?

Spring also means the housing market is heating up. And mortgage rates remain exceptionally low — with many home loan options. For expert advice, turn to our mortgage partner, State Financial Network.

Benefits of buying right now:

Historically low rates.

Terms of 10 to 30 years.

Purchase a home with a low down payment.

Simplified application process.

Affordable payments.

Local servicing for life.

Get preapproved.

Preapproved loans can make a difference to the seller when considering an offer. In fact, in a competitive market, a preapproval can be a necessity when presenting an offer.

Consider an easy refinance, too.

Maybe you love your current place but want to take advantage of a lower rate or monthly payment. Call our experts to help you compare payments and a range of mortgage benefits.

Learn More

Springtime Money!

As a not-for-profit financial institution, our mission is to serve you. This means our rates are more competitive than the big banks, and you’ll save with fewer fees. Plus, our friendly, knowledgeable loan staff are always ready to listen and assist — never just make a sale.

Not a member?

Learn about Membership now
* APR=Annual Percentage Rate. Rate based on creditworthiness of applicant and subject to change without notice.
Home Equity Fees waived for primary residence only. Must be owner-occupied. Not available on investment properties. 

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