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Simplify Debt Into One, Simple Monthly Payment With A Home Equity Line of Credit 

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A Home Equity Line of Credit can give you access to additional funds using the equity in your home. Your funds are available now or later, whenever you need it. By applying now, you’ll have peace of mind knowing it's available.

Take advantage of:

12 Month Introductory Rate1

Enjoy a lower 12 month introductory rate for a limited time

Available Funds1

A variable rate Home Equity Line of Credit provides you with available funds, when you need it. You don't need to use the whole line at once.

Benefits of a Home Equity Loan

A Home Equity loan can provide funding for home improvement, tuition payments, consolidating debit and more. Rates are often lower than a credit card and you can apply quickly and easily online! 

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[1] This Home Equity Line of Credit (HELOC) is available for 1-4 family, owner-occupied properties in New Jersey. Homeowners insurance is required, flood insurance may be required. Maximum combined LTV 75%. For any loan amount greater than $400,000, the borrower will be required to pay an appraisal fee of $525 to $675, depending on the number of units. Higher fees may apply for complex or remote properties. A mortgage recording fee is due at closing. The fee ranges from $50 to $60 depending on the county where the secured property is located. Maximum credit line is $500,000 and minimum credit line is $25,000 with a minimum draw of $100. During the 10-year draw period there is an annual fee of $75. If this HELOC is closed and/or paid in full before 24 months, an Early Termination Fee of $500 will be charged. View our rates page for more details. All loans are subject to credit approval.

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Investments are NOT FDIC Insured, not Bank guaranteed, not a deposit, and not insured by any federal government agency. Investments may lose value.

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To help visitors understand information on this website in a variety of languages, Columbia Bank offers GoogleTM Translate, an unaffiliated third party service, which automates translation of the website. The GoogleTM Translate automated translation tool is not perfect and should not be relied upon. Automated translation may miss context, the full meaning may be lost, or words, phrases or sentences may be inaccurately translated. In addition, to the extent GoogleTM Translate caches and presents older versions of the Columbia Bank website content, that is beyond the control of the Columbia Bank site and its operators who accept no responsibility or liability for the outdated translation.

As a result, Columbia Bank does not make any promises, assurances, or guarantees as to the accuracy of the translations provided or the accuracy of the converted text. Columbia Bank and its affiliates disclaim and will not accept any liability for damages or losses of any kind caused by or arising out of the use of or reliance on the Google Translate feature. Where there is any question, the English version is always the authoritative version of the website.

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Please be advised that deposit and loan disclosures and contractual documents will only be provided in English.

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