SPECIAL LOW RATE: 6.75% APR*
Introduction
Take advantage of our low rate, fixed at 6.75% APR with a new Home Equity Loan of $5,000 or more. But don't wait – this offer is only available for a limited time.
Prefer the flexibility of an open-end line of credit? Check out our current HELOC offer with no closing costs!**
Get started today with our online application or speak with an expert at your local branch.
Fixed rate. Unlimited opportunities.
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.
What do I need to apply?
It's easier than you think! Just gather Proof of Ownership and Proof of Income:
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!
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.
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.
*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, 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.
Additional Information
*SPECIAL OFFER 6.75% APR:
APR = Annual Percentage Rate. Rate and terms are available on new loans only. Credit union membership required with a $1 minimum deposit; restrictions apply, ask for details. Property must be owner-occupied and in second lien position. Maximum loan amount is $500,000 with a CLTV up to 80% of appraised value minus a first mortgage; maximum loan amount is $250,000 for loans with a CLTV of 80.01%-90% of appraised value minus a first mortgage. As of 09/1/2024, the rate was 6.75% APR; visit visionsfcu.org/rates for current rate information. Minimum amount of $5,000. You may be required to pay certain fees to third parties. The fees generally total between $625 and $4875. Property insurance is required. Flood insurance may be required. Federally insured by NCUA. Equal Housing Lender.
**HELOC 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 80% of appraised value minus a first mortgage. Maximum line amount is $250,000 for lines with a CLTV of 80.01%-100% 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. As of 08/15/2024, the rate was 8.25% APR; visit visionsfcu.org/rates for current rate information. Minimum advance of $25,000 in new money required for the waiving of closing costs; existing Visions loan balances do not qualify toward minimum advance. 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, title insurance, mortgage tax, and title insurance (if applicable). Borrowers may be responsible for appraisal cost, initial escrow setup, and tax service fee, if applicable. Property insurance is required. Flood insurance may be required. Offer valid 09/01/2024 and is subject to change or expire without notice. Equal Housing Lender. Insured by NCUA.
