Put your home to work

Whether you're upgrading your kitchen or bathroom, adding another bedroom or even sprucing up outside with new landscaping, a Home Equity Line of Credit (HELOC) can help make your home feel like new again. 

So what are you wating for? You've worked hard for your home, now it's time it worked hard for you.  

For the first 12 months

2.99% APR

Then a variable rate as low as

4.50% APR


What can a HELOC do for me?

  • Cash available when you need it
  • Pay interest only on the amount outstanding
  • Rates are typically lower than other sources of credit
  • Interest may be tax deductible (check with your tax advisor for complete details)
  • Disclosure

    The Home Equity Line of Credit introductory rate of 2.99% Annual Percentage Rate (APR) is fixed for the first 12 months from account opening. After that, the variable APR applicable to your account will be the highest Prime Rate published in The New York Times for the last banking day preceding the first day of each billing cycle. As of 6/18/2018, the Prime Rate is 5.00%. This offer is subject to credit approval and assumes an applicant with excellent credit and Valley having a first lien on the property. The maximum APR is 15.9% and, after the expiration of the introductory rate, the minimum APR is 3.75%. The maximum combined loan to value for all liens is 80%. The maximum line amount is $250,000. A $75 annual fee applies. The term of the line includes a 5-year draw period with a 20-year repayment period. This offer is limited to new lines only for owner-occupied primary residences. Homeowners insurance is required; flood insurance is required where necessary. Minimum draw is $500. An early termination fee of $190 applies to NJ & PA properties if your account is terminated during the first 15 months; for NY, FL, MD & VA properties, you must reimburse Valley for out of pocket origination expenses if your account is terminated during the first 36 months. Additional terms and conditions apply. Offer may be withdrawn without notice.

For more information on HELOCs,  call one of our experts at 800-Call-VLY or stop by one of our conveniently located branches.

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Home Equity Rates
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View todays home equity line of credit rates.