Borrow what you need, when you need it.

Home Equity Line of Credit

A PFFCU Home Equity Line of Credit (HELOC) is a variable-rate, secured loan that uses your primary residence as collateral. You can borrow up to $600,000 of the available equity in your home to pay for home improvements, education expenses, a major purchase, or even a down payment for a second home. You could lower your rate by consolidating your debt held elsewhere into one easy payment.

HELOCs at most banks have variable rates, typically based upon the Prime Rate plus a margin. PFFCU’s HELOC rate is based on the Prime Rate minus 0.75%,1 so it always stays lower than the Prime Rate! Your payment depends on how much of your line amount you use and is based upon a 15-year amortization schedule.

During the first five years, the minimum monthly payment is interest only. After five years, the outstanding balance must be repaid over 15 years. You can always pay more each month if you like. Enjoy fast and easy access to the funds you need, when you need them, by speaking to a Telephone Member Service Representative, at any PFFCU branch, through 24-Hour EXPRESSBanker, Online Banking or Mobile Banking.

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Applying is easy and takes only about 10 minutes. Apply Now »
If you prefer, you can apply by calling 800-673-1836, or visiting any PFFCU branch. Apply during regular business hours and you’ll receive a loan decision within one business day. 

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PFFCU Home Equity Line of Credit Personalized Service

For Personalized Service, apply for your PFFCU Home Equity Line of Credit six-days-a-week in person or by telephone. Visit any of our conveniently located branches in Philadelphia, Bucks County, Montgomery County, PA and NJ for all of your financial needs. Members in Washington Township, NJ area can stop by our branch on Route 42. Members in the Mt. Laurel, Cherry Hill area can stop by our branch on Lenola Road across from the Moorestown Mall.

Not near a branch? Contact our Call Center at 800-673-1836 and one of our knowledgeable Telephone Member Service Representatives can guide you through your Home Equity Line of Credit application process.

Close your PFFCU HELOC at any PFFCU branch

PFFCU has conveniently located branches in Philadelphia, Bucks County and Montgomery County, PA and NJ. Members who live, work or travel in Mt. Laurel, Cherry Hill and Washington Township can stop into our two NJ branches to get a Home Equity Line of Credit. Our Moorestown Mall branch on Lenola Road, across from Macy’s, is easily accessible from Mt. Laurel and Cherry Hill. Members in the Washington Township area enjoy the convenience of our branch on Rt. 42.

Come to PFFCU for the best home equity loan in Bucks County, PA, Montgomery County, PA, and best home equity loan in Cherry Hill, Mt. Laurel and Washington Township, NJ.

PFFCU offers the best home equity loan rates in Mt Laurel, NJ, Cherry Hill and Washington Township, NJ,  and the best home equity loan rates in Bucks County, Montgomery County, PA.

  1. Reflects a 1/4% discount with automatic payment from an active PFFCU Checking Account or distribution from a payroll check automatically deposited with PFFCU, will vary with the Market based on the Prime Rate, may adjust monthly, and is SUBJECT TO CHANGE WITHOUT NOTICE. The minimum Annual Percentage Rate that can apply is 2.99%.