Fixed rate. Unlimited opportunities.
Introduction
You've worked hard to build the equity in your home. Now, make it work just as hard for you.
With fixed rates and extended terms, a home equity can help tackle whatever life throws at you.
Bathroom remodel? No problem. Building a new roof? You're covered. From tuition to credit card debt to everything else in between, a home equity offers you the freedom you need to accomplish whatever it is you need.
Check out our calculators, articles, and resources to find out if a fixed rate home equity is the right fit for you.
Prefer the flexibility of an open-end line of credit? Consider our special HELOC offer featuring No Closing Costs!*
Apply for a Home Equity Line of Credit (HELOC) today and you could pay no closing costs following the set up of automatic payments and an initial advance of $25,000 or more in new money. *Learn more about this great offer.
What do I need to apply?
It's easier than you think! Just gather Proof of Ownership and Proof of Income to get started.
PROOF OF OWNERSHIP
Qualified proof required, such as the deed to your property.
PROOF OF INCOME
Traditional employment income:
• Two years' W2s
• 30 days' paystubs
Self-employment income:
• Two years' signed tax returns
Retirement income:
• Two years' 1099s
Rental property income:
• Two years' signed tax returns
...and that's all you need to begin the application!
During the application process, you may be required to provide your homeowners insurance binder, current tax bills, most recent mortgage statement, and other documentation if applicable.
Apply online or connect with a representative to take the next step. We're available at your local branch or over the phone at 800.242.2120.
Additional Information
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*Eligible Lending Counties - Geographic Boundaries
Visions can lend to the following areas if a person qualifies for membership:New Jersey:
Bergen, Essex, Hudson, Hunterdon, Monmouth, Middlesex, Morris, Passaic, Somerset, Sussex, Warren, and Union
New York:
Broome, Cayuga, Chemung, Chenango, Cortland, Delaware, Dutchess, Greene, Jefferson, Livingston, Madison, Monroe, Oneida, Onondaga, Ontario, Orange, Orleans, Oswego, Otsego, Rockland, Schuyler, Seneca, Steuben, Tioga, Tompkins, Wayne, Westchester, Wyoming, and Yates.
Pennsylvania:
Berks, Bradford, Carbon, Chester, Cumberland, Dauphin, Lancaster, Lebanon, Lehigh, Monroe, Montgomery, Northampton, Pike, Schuylkill, Susquehanna, Tioga, Wyoming, and York.
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Debt Protection
Your Home Equity Loan may also qualify for Debt Protection. Add it to your loan during the application process or contact us at 800.242.2120 to request changes to your coverage. Learn more about Debt Protection.
Special HELOC Offer: No Closing Costs*
*APR = Annual Percentage Rate. Rate and terms are available on new home equity lines only. Credit union membership required with a $1 minimum deposit; restrictions apply, ask for details. Property must be owner-occupied. Maximum line amount is $500,000 with a CLTV up to 75% of appraised value minus a first mortgage. Maximum line amount is $250,000 for lines with a CLTV up to 90% of appraised value minus a first mortgage. APR is Prime -.25% with a minimum rate of 3.00% and a maximum rate of 15.80% APR. Visit visionsfcu.org/rates for current rate information. The following conditions must be met to waive closing costs: automatic payment on the new line and a minimum of $25,000 in new money advanced at closing. Estimated savings of closing costs, which varies by geographic market and property, generally total between $625 and $4875, including, but not limited to, the following costs: Automated Valuation Method (AVM), flood determination, credit report, lender attorney fees, recording fee, mortgage tax, and title insurance (if applicable). Borrowers may be responsible for appraisal cost, if applicable. Property insurance is required. Flood insurance may be required. Borrower(s) will need to reimburse the credit union the full value of the closing costs resulting from the loan origination if the line is paid off and closed within 36 months of opening. Offer subject to change or expire without notice. Applications must be submitted no later than 12/31/26. Equal Housing Lender. Federally insured by NCUA.
