Home Equity Loans in Toms River, NJ

Looking to tap into your home’s value in Toms River, NJ? Compare competitive home equity loan rates from trusted local lenders to find the best option for your needs. Whether it’s remodeling or consolidating debt, you deserve clear, affordable choices close to home.

Our community-focused credit unions offer flexible terms and fast funding to help you make the most of your investment. Explore your home equity options today and see how easy it can be to turn your plans into reality right here in Toms River.

Filters

Lender
APR
Term
Max Amount
CLTV
Link
Info
americanheritagecu
4.99 - 7.99 %
15 Yrs
95 %
firsttechfed
5 - 8 %
20 Yrs
sdfcu
5.24 - 8.5 %
20 Yrs
90 %
dcu
5.25 - 7.75 %
20 Yrs
50 %
gardensavingsfcu
5.48 - 6.625 %
5 - 30 Yrs
100 %
andrewsfcu
5.74 %
20 Yrs
95 %
firstcomcu
5.74 - 7.25 %
3 - 20 Yrs
90 %
affinityplus
5.898 - 8.468 %
5 - 15 Yrs
90 %
nasafcu
6 - 8.75 %
5 - 20 Yrs
95 %
visionsfcu
6.25 - 6.5 %
15 Yrs
90 %

Today’s Home Equity Loan Rates & Analysis - Updated on 2026-SEP-20

Credit Union Loan Rates - Trends & Analysis:

American Heritage has a Home Equity loan with an APR range of 4.99% to 7.99% today, unchanged from it was 7, 30, 60, and 90 days ago. Their HELOC rates also stay steady at 5.74% to 7.99% over the same time periods. Neither product shows any change in rates recently. First Technology has a Home Equity rate range of 5% to 8% today, unchanged from 7, 30, and 60 days ago but slightly lower than 90 days ago. Its HELOC rates are between 6.75% and 6.88% now, unchanged from the past 7 and 30 days, down from 7% to 7.12% 60 days ago, and up compared to 90 days ago.

State Department has a Home Equity loan with an APR range of 5.24% to 8.5% , unchanged from it was 7, 30, 60, and 90 days ago. Their HELOC rate is 6.25% , also unchanged over the past 90 days. Both rates have stayed steady during this time. Digital has a Home Equity rate range of 5.25% to 6.75% today, which is up from 5% to 6.5% seven days ago but down from 6.99% to 7.74% thirty and sixty days ago. The HELOC rate range is 6.25% to 7.75% today, also up from 6% to 7.5% a week ago and lower than the 6.75% to 8.49% seen thirty, sixty, and ninety days ago.

Garden Savings has a HELOC with rates today from 5.48% to 6.25% , down from 5.95% to 7% seven and 30 days ago. Their Home Equity loan shows rates between 6% and 6.62% , which is also lower than the 6.38% to 7% range seen over the past 7, 30, 60, and 90 days. Andrews Federal Credit Union has a Home Equity rate of 5.74% today, unchanged from 7 and 30 days ago but higher than the 5.49% rate from 30, 60, and 90 days ago. The rate has gone up since last month and earlier periods.

First Commonwealth has a Home Equity rate range of 5.74% to 6.49% today, unchanged from 7 and 30 days ago but lower than 60 and 90 days ago. Its HELOC rates are steady at 6.75% to 7.25% , unchanged over the past 7, 30, 60, and 90 days. Affinity Plus has a Home Equity loan with an APR range of 5.9% to 6.39% , unchanged from 7 and 90 days ago but higher than 60 days ago. Its HELOC rate is 6.22% , steady from 7 and 90 days ago but up from 6% over the past 30 and 60 days. The Improvement loan APR ranges from 7.66% to 8.47% , the same as 7 and 90 days ago but higher than 60 days ago. Solar loans match

Nasa has a Home Equity loan with an APR range of 6% to 8.75% today. This rate is the same as it was 7, 30, 60, and 90 days ago, showing no change over the past three months. The minimum APR remains at 6% . Visions has a Home Equity rate of 6.25% today, unchanged from 7 and 30 days ago but lower than 90 days ago when it was 6.5% . The HELOC rate is 6.5% now and has not changed in the past 7, 30, or 60 days.

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