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Effective immediately all branches with drive-ups and walk-ups will adhere to the following hours: Mon - Fri: 9:00 AM - 4:00 PM, Sat: 9:00 AM - 12:00 PM. Likewise, scheduled appointments will be honored between the same hours. Modified schedule exists at our Staten Island branch and Greenpoint branch; Mon – Fri: 9:00 AM - 3:00 PM, Sat: 9:00 AM - 12:00 PM.

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BUSINESS BANKING

Home Equity Loans & Lines

You’ve built up equity in your home. Now’s the time to set it free.

You’ve built up equity in your home. Now’s the time to set it free.

Borrow up to 80% of the value you’ve built up in your home to pay for big expenses from education to home improvements and more.

Kearny Bank offers a variety of Fixed Home Equity Loans and Home Equity Lines of Credit to choose from, and payments can be automatically deducted directly from your Kearny Bank checking account. There is also no prepayment penalty.

Use our home equity loan calculator to determine your payments or for more details call us at 800-273-3406.

Account Interest Rate APR Months Additional Information Monthly Payment per $1,000
5 Years Fixed Rate Equity 3.750 3.909 60 $5,000 Min, $500,000 Max, 80% Max LTV, 1-4 Family Owner Occupied. Disclosed APR is an example based on a $250,000 loan amount. A $195 Commitment Fee will apply. NO APPLICATION FEES. An appraisal fee of $300.00 is required for loan amounts in excess of $250,000. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Subject to credit approval. 18.30
10 Years Fixed Rate Equity 4.000 4.088 120 $5,000 Min, $500,000 Max, 80% Max LTV, 1-4 Family Owner Occupied. Disclosed APR is an example based on a $250,000 loan amount. A $195 Commitment Fee will apply. NO APPLICATION FEES. An appraisal fee of $300.00 is required for loan amounts in excess of $250,000. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Subject to credit approval. 10.12
15 Years Fixed Rate Equity 4.250 4.314 180 $5,000 Min, $500,000 Max, 80% Max LTV, 1-4 Family Owner Occupied. Disclosed APR is an example based on a $250,000 loan amount. A $195 Commitment Fee will apply. NO APPLICATION FEES. An appraisal fee of $300.00 is required for loan amounts in excess of $250,000. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Subject to credit approval. 7.52
20 Year Fixed Rate Equity 4.500 4.553 240 $5,000 Min, $500,000 Max, 80% Max LTV, 1-4 Family Owner Occupied. Disclosed APR is an example based on a $250,000 loan amount. A $195 Commitment Fee will apply. NO APPLICATION FEES. An appraisal fee of $300.00 is required for loan amounts in excess of $250,000. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Subject to credit approval. 6.33

Note: Current rates are for new home equity loan/line clients only. Minimum amount for new loans/lines is $5,000. For refinance of existing Kearny Bank loans, a minimum increase of $10,000 must be requested, or the loan must have been opened for a period of one year prior to the date of application.

All interest rates are for NJ properties only and are subject to change without notice. Annual Percentage Rate (APR) listed are as of 03/25/2020.

Account Interest Rate APR Months Additional Information
15 Year Revolving Credit Line (variable) 2.750 2.750 180 $5,000 Min, $500,000 Max, 75% LTV, 1-4 Family Owner Occupied, Prime Rate minus .50%, maximum rate is 18.00% (ceiling rate), minimum rate is 2.750% (floor/start rate). A $195 Commitment Fee will apply. NO APPLICATION FEE. An appraisal fee of $300.00 is required for loan amounts in excess of $250,000. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Subject to credit approval.
15 Year Fixed LOC 6.500 6.500 180 $5,000 Min, $500,000 Max, 80% LTV, 1-4 Family Owner Occupied. A $195 Commitment Fee will apply. NO APPLICATION FEE. An appraisal fee of $300.00 is required for loan amounts in excess of $250,000. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Subject to credit approval.

Note: Current rates are for new home equity loan/line clients only. Minimum amount for new loans/lines is $5,000. For refinance of existing Kearny Bank loans, a minimum increase of $10,000 must be requested, or the loan must have been opened for a period of one year prior to the date of application.

All interest rates are for NJ properties only and are subject to change without notice. Annual Percentage Rate (APR) listed are as of 03/25/2020.

Home Equity Loans & Lines

We have taken out two home equity loans with Kearny Bank over the years and both times the process was INCREDIBLE!!!  Someone was always there to answer any questions and if for any reason you had to leave a message, someone ALWAYS called you back.

Terence J.

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