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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 Funds2

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! With our 30 year Home Equity Line of Credit, you can draw for up to 10 years.

[1] Intro 3.24% APR for 12 months (or 12 billing cycles), thereafter, variable rate, currently Prime + .75% or 4.75% APR. Annual Percentage Rate (APR) is a variable rate and may change monthly. The Credit line has a minimum APR of 4.00% and a maximum APR of 15%.

[2] This Home Equity Line of Credit (HELOC) is available for 1-4 family, owner-occupied properties in New Jersey. Homeowners insurance is mandatory, flood insurance may be required. Maximum LTV 75%. 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. Minimum monthly payment during the draw period of 10 years, 1/240th of the outstanding principal balance or $40.00, whichever is greater plus finance charges and late charges, if any. Minimum monthly payment during the repayment period 20 years is the greater of $100.00 or an amount sufficient to amortize the loan based on the APR, balance and remaining loan term, not to exceed 240 months. At the end of the draw period you will no longer be able to obtain credit advances and must pay any outstanding balance over a maximum twenty (20) year term. Once this HELOC has been opened, the borrower(s) may not obtain this same line of credit type from us anytime within the next 24 month period unless the borrower reapplies and is approved for a credit limit that is higher than the original credit limit granted. This offer is subject to credit approval and does not apply to current Columbia Bank HELOC.


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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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