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Columbia Bank

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! 

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

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