If you own a home in Roselle Park, your equity could be one of the most valuable tools at your disposal. At County Excellence Federal Credit Union, we offer Home Equity Loans and Home Equity Lines of Credit (HELOCs) that help you use that value wisely—whether you're updating your house, covering tuition, or consolidating higher-interest debt.

We make the process easy to understand, and our team is here to guide you every step of the way.

Two Flexible Ways to Borrow With Your Home’s Equity

Fixed-Rate Home Equity Loans

A Home Equity Loan gives you a one-time lump sum with a fixed interest rate and predictable monthly payments. It’s a great choice when you have a specific goal or expense in mind—like a remodel, major repairs, or a large medical bill.

Home Equity Loan Features:

  • Fixed interest rate

  • One lump sum disbursement

  • Terms that match your needs

  • Consistent monthly payments

  • Fast, local approval

Home Equity Line of Credit (HELOC)

A HELOC gives you access to funds over time. You can borrow what you need, when you need it, up to your credit limit. This option is especially useful for ongoing expenses or unexpected costs.

HELOC Features:

  • Variable interest rate

  • Reusable line of credit during draw period

  • Interest-only payments available

  • Flexibility to borrow as needed

Why Choose County Excellence FCU for Your Home Equity Loan or HELOC in Roselle Park?

At County Excellence, we do more than offer great rates—we take the time to get to know our members and provide personal service. As a community-based credit union, we’re committed to helping Roselle Park residents reach their goals with tools that make sense.

Here’s what you can expect:

  • Competitive rates for both loans and lines of credit

  • Knowledgeable local lending team

  • Straightforward application process

  • Personalized support from start to finish

When you borrow with us, you’re not just getting a loan—you’re gaining a financial partner who’s here to help you make confident, informed choices.

What Can You Use Your Home Equity For?

There’s no one-size-fits-all reason to borrow against your home’s equity. That’s why our lending options are designed to fit many purposes:

  • Home improvements and repairs

  • College tuition or continuing education

  • Medical bills or family care

  • Debt consolidation

  • Unexpected expenses

Whatever your plans, we're here to help you fund them responsibly.

Let’s Talk About What’s Possible

Not sure whether a Home Equity Loan or a HELOC is right for you? Our friendly team is happy to answer your questions and walk you through your options. We're local, so we understand the market—and we’re ready to help you make the most of your home.

Proudly Serving Roselle Park, NJ

County Excellence FCU is proud to serve the Roselle Park community. Whether you're a long-time resident or just getting settled, we're here to help you build a strong financial future—starting with the value already in your home.