Choose the Perfect Fit for Your Home
Fixed-Rate Home Equity Loans
Perfect for planned expenses like renovations, debt consolidation, or tuition.
- Rates as low as 5.00% APR*
- Predictable monthly payments
- Borrow up to 80% of your home’s value
Home Equity Lines of Credit (HELOC)
Great for ongoing or flexible needs. Only pay interest on what you use.
- Rates as low as 6.75% APR*
- Access funds as needed
- Interest may be tax-deductible*
Why Choose Members 1st?
- Proudly serving Cumberland and Salem counties.
- Fast application & approval process
- Personalized service from a trusted, local credit union that understands the market and your needs
- Use your home’s equity for improvements, education, bills, or big dreams
- Borrow up to 80% Loan-to-Value (LTV) – up to $150,000
Ready to Apply?
Click below to start your application:
Prefer a personal touch?
Fill out the form below, and a local lending specialist will reach out to help you:
Need Local Help?
Call us at 856-880-7969 or visit:
- Vineland Branch – 37 W. Landis Ave, Vineland, NJ
- Bridgeton Office – 654 Shiloh Pike, Unit G, Bridgeton, NJ
Prefer face-to-face guidance? Our friendly, local team is ready to help your plans take root.
Proudly helping South Jersey homeowners grow something great.
*APR = Annual Percentage Rate. Rates effective May 1, 2025, and are subject to change without notice. APR may vary based on creditworthiness, loan amount, collateral, and LTV. Rates shown are for qualified borrowers and are subject to loan term and property type. Please consult your tax advisor regarding interest deductibility.