Make the Right Call with a Home Equity Line of Credit 
From First Atlantic                 

HELOC Disclosure
HELOC Consumer Handbook

First Atlantic’s Home Equity Line of Credit saves our members money. With a low 2.99% APR¹ members can avoid using high interest credit cards to pay for larger purchases.

• SAVE MONEY – no application fees or closing costs.²
• Consolidate Credit Card Debt – save money by using the equity in your home to consolidate your high interest debt into one low monthly payment.
• Tackle Home Improvements – avoid putting off expensive repairs or replacing old appliances.  You can even use your home equity to install that in ground pool you’ve always wanted!
• Use your Home Equity Line of Credit for just about anything – pay for college tuition, vacation or even a wedding!
• Your interest may be tax deductible³
  

 Don't Wait - Apply Today!

1. Stop by any First Atlantic Service Center
2. Call us at 732.380.3600
3. Apply online  

    

Helpful Resources

• Compare Home Equity options 
• Should I consolidate my debts?
• Loan Payment Calculator
• Download the Home Equity Line of Credit Consumer Handbook

¹Annual Percentage Rate (APR) subject to change at any time and is based on the Prime Rate as disclosed in the Wall Street Journal as of the 25th of the previous month.  HELOC is a variable-rate line of credit secured by primary residences located in NJ, PA and MD with up to 70% combined loan to value (CLTV) ratio for well-qualified applicants. Minimum loan amount of $10,000. Annual Percentage Rate (APR) after the initial 18 months of the line of credit is as low as Prime+0%.  After the introductory period the rate will never go below 3.75% APR.  In order to receive promotional offer, direct deposit or automatic payment from a First Atlantic deposit account is required.  Promotional rates are for new borrowers or loans.  Additional conditions may apply.
² A $350 processing fee is waived at the time the loan closes. If the loan is paid off within 2 years this processing fee will be added to the amount required to satisfy the loan.
³For tax deductibility, please consult your tax advisor Consult your tax advisor to determine if the interest is tax deductible.