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Rates

Look to your home — and your built-in equity — when it’s time to pay for bigger expenses. Choose from a lump sum or line of credit with no closing costs.

Key Features

  • Competitive Rates
  • Local Processing
  • No Closing Costs

LOW INTRODUCTORY

1.99% APR*

For the first 6 months*

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Term APR as low as Adjustments
10 Years 3.00% Rate adjusts quarterly based on 6-Month T-Bill plus a margin. Rate quoted is"A-Paper" rate. Floor = 3%.
15 Years 3.00% Rate adjusts every 6/30 & 12/31 based on Prime rate plus or minus a margin. Rate quoted is"A-Paper" rate. Floor = 3%.
20 Years 3.00% Rate adjusts every 6/30 & 12/31 based on the Prime rate plus a margin. Rate quoted as "A-Paper" rate. Floor = 3%. High LTV>80% option available for qualified borrowers; minimum rate 7.25%.
30 Years 3.00% Rate adjusts every 6/30 & 12/31 based on the Prime rate plus a margin. Rate quoted as "A-Paper" rate. Floor = 3%. High LTV>80% option available for qualified borrowers; minimum rate 7.25%.

We also offer Home Equity Lines-of-Credit and Loans with up to 100% LTV. Contact our Loan Department for current rates on High LTV lines-of-creit and fixed rate home equity loans. 

Promotional Rate Limited Time Only: 1.99% APR on any Home Equity Line-of-Credit for the first six months.

Your rate will be based upon your credit standing. Floor Rates and other conditions apply. Minimum Rate = 3.00% APR. 100% LTV Home Equity Loans are available. Specific terms and restrictions apply. Contact a loan officer for more details. Only available in NJ, NY, and PA.

  • Competitive, variable, and fixed rates for a wide range of short-term or one-time needs with no closing costs:
    • Make home improvements
    • Build an addition
    • Take a vacation
    • Pay tuition
    • Consolidate debts
    • And much more!
  • 5, 10, 15, or 20-year terms available
  • Budget-friendly repayment terms
  • Revolving credit – available balance replenishes as you make payments
  • Funds available anytime without reapplying; apply once, then use as needed thereafter
    • Funds conveniently available by requesting a book of checks to access your line or requesting us to deposit the funds to one of your accounts established with Garden Savings
  • Secured by the amount of available equity in your home
    • Amounts available up to 100% of your home’s equity
  • The interest paid might be tax deductible1
  • Simple, hassle-free process supported by our local decision making and processing
  • Detail-oriented lending specialists who answer your questions in a timely fashion
  • HELOC Products only available in NJ, NY and PA. 

100% LTV Home Equity Loans are available. Specific terms and restrictions apply. Contact a loan officer for more details. Only available in NJ, NY and PA. 

ePayments

Pay your loans from an outside account2.

1Consult a tax advisor.

2Please be advised that payments made from outside accounts take 2-4 days to post to your account.

Home equity products are only available in NJ, NY & PA.