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Our Visa Credit Card is already as low as 9.9% APR*! There is no need to wait for laws to be passed for a fair interest rate on your credit card.

 click here to learn more and apply

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Our Visa Credit Card is already as low as 9.9% APR*! There is no need to wait for laws to be passed for a fair interest rate on your credit card.

CLICK HERE TO LEARN MORE & APPLY 

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Learn more and register for our upcoming educational webinars.

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HOME EQUITY LOANS

Home Equity Loan

Use the power of your home’s equity with a fixed home equity.

You could borrow against the equity in your home for home improvements, education expenses, debt consolidation, or to make large purchases.  We offer low interest rates on a Fixed Home Equity. The amount available to borrow will be based on the equity in your home.  Once the amount of equity is determined, you can borrow up to 80% of the equity, or 90% of the equity for well-qualified borrowers.

Available on primary residences in NJ, NY, PA, DE, MD, VA, SC, FL and CA.

CLICK HERE TO APPLY

CLICK HERE TO LEARN ABOUT DEBT PROTECTION

Features of our Fixed Home Equity

Home Equity Loan

Click here to Apply

 

Home Equity Loan 

  • No application fees
  • No points
  • No processing fees
  • No prepayment penalty
  • No closing costs*

 

 

Get Started

 

Have questions or want to know which type of Home Equity Loan term is best for your needs? Speak to a Ridgedale Federal Credit Union loan officer at 973-947-1000  Option 2 or stop by our branch.

Home Equity Loan Rates

 

Fixed Rate Second Mortgages
Effective Date: 3/5/2026, Rates Subject to Change
Fixed Rate Second MortgagesAPR
Rates As Low As 5.50%
FIXED RATE SECOND MORTGAGES: APR = ANNUAL PERCENTAGE RATE. NOT ALL APPLICATIONS WILL QUALIFY, SUBJECT TO CREDIT APPROVAL. ADDITIONAL TERMS & CONDITIONS MAY APPLY. RATE MAY VARY BASED ON CREDIT WORTHINESS AND TERM. MINIMUM LOAN APPLICATION IS $25,000. TAXES AND INSURANCE(S) ARE NOT INCLUDED IN MONTHLY PAYMENT. MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. MEMBERSHIP IS REQUIRED.

 

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