Limited Time Offer on New HELOCs: No Closing Costs!*

That's right: for a limited time, you can enjoy no closing costs with an initial advance of $15,000 or more.

What are you waiting for?

Apply today!

Unlock your home's equity

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

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!

What do I need to apply?

It's easier than you think! Just gather Proof of Ownership and Proof of Income:


Qualified proof required, such as the deed to your property.


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!
As a homeowner, you made a wise investment. Apply online or schedule an appointment to take the next step.

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. APR is Prime -.25% with a minimum rate of 3.00% and a maximum rate of 15.80% APR; call 800.242.2120 for current rate information. Minimum initial advance of $15,000 required for 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: 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. Offer for new Home Equity Lines ONLY, refinancing of existing Visions debt not allowed. Property insurance is required. Flood insurance may be required. Offer is subject to change or expire without notice. Equal Housing Lender. Insured by NCUA.