0% APR* for first 6 monthsUse the equity you've earned in your home to your advantage

A Visions Home Equity Line of Credit is a great way to finance just about anything. Use your home's equity to put cash on hand for whatever you want, whenever you need it.


As Home Values Rise, Should Homeowners Look to Equity?

The pandemic may have restricted the way many of us lived, but it pushed the housing market beyond historic boundaries. Now those same homes we were stuck in during quarantine are worth more than ever before, making home equity lines of credit even more attractive.


Read the Article Here

Convenient. Flexible. Affordable.

Home improvements, tuition, even an epic vacation – imagine all the things that your home could do for you.

While homeownership comes with a significant cost, it's also the best investment you can make. A home equity line of credit is your return on that investment, using your home's equity to put cash on hand for whatever you want, whenever you need it.

Unlike a traditional home equity, think of a home equity line of credit like a credit card – you only take and pay interest on what you use. Plus, you might even be able to borrow up to 100% of your home's equity, offering you flexibility you can't get anywhere else.


View our rates

For a limited time only: 0% APR for the first six months AND no closing costs!**

We're offering a six-month 0% APR offer - PLUS no closing costs - on new HELOCs with a minimum advance of $15,000. Ask a representative for details to take advantage of this great offer!

Certain restrictions apply.

How does a home equity line of credit work?

You've worked to build equity in your home. It's an investment, and a home equity line of credit can be the return.

A home equity line of credit tends to have lower rates than other loans because the value you've built in your home acts as security. And the interest you pay on many home equity loans is tax-deductible, helping you save twice.

How much credit can I get with my HELOC?

You can get up to 100% of your home’s equity. That’s the assessed value of your home minus what you’ve paid on your first mortgage. 

For example, a home valued at $150,000 with $75,000 remaining on the mortgage would yield a credit line of up to $75,000. You only pay interest on what you use. Click here for the current rates.

How can I calculate my equity?

Use the calculator at the bottom of the page – it's easy!

What else should I know?

We've created a list of helpful articles to help you better understand the benefits of a HELOC.

And, if you're thinking about home improvements, check this article out in particular!

*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.


Berks, Bradford, Carbon, Chester, Cumberland, Dauphin, Lancaster, Lebanon, Lehigh, Monroe, Montgomery, Northampton, Pike, Schuylkill, Susquehanna, Tioga, Wyoming, and York.

**APR = Annual Percentage Rate. Rate and terms are available on new loans only. Certain relationships are required to receive rates – ask for details. Credit union membership required with a $1 minimum deposit. Loan rate and promotion based on creditworthiness, may vary from the rates shown, and is subject to standard credit criteria. Property must be owner occupied. 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%-100% of appraised value minus a first mortgage. The rate for the first six months will be 0% APR; after the introductory period the APR will be Prime -.25% with a minimum rate of 3.00% and a maximum rate of 15.80%. Minimum initial advance of $15,000 required for introductory rate and waiving of closing costs. Estimated savings of closing costs, which varies by geographic market and property, would be at least $3,370, including, but not limited to, the following costs: appraisal, flood determination, application fee, credit report, lender attorney fees, recording fee, title insurance, and mortgage tax. Borrowers may be responsible for initial escrow setup, interim interest, owner’s title insurance, tax service fee, borrower’s attorney fees, survey, and private mortgage insurance, if applicable. Offer for new Home Equity Loans ONLY, refinancing of existing Visions debt not allowed. Property insurance is required. Flood insurance may be required. Offer subject to change or expire without notice. Equal Housing Lender.