Home Equity Lines
You’ve built up equity in your home. Now’s the time to set it free.
NEW, lower intro HELOC rate of 5.990% for first six months, then Prime Rate + 0.000%. Plus, no fees at closing!
Get Started
Home Equity Lines of Credit and Home Equity Loans are both ways to borrow based on the equity you have in your home:
Home Equity Lines of Credit offer more flexibility, allowing homeowners to borrow, repay, and borrow again as needed, making them ideal for variable expenses like home repairs or education costs. With a HELOC, you only pay interest on the amount you borrow, not the total credit limit.
Home Equity Loans can be an ideal option for homeowners who need a lump sum of money upfront, such as for a large home improvement project or debt consolidation. One advantage of a Home Equity Loan is the predictable, fixed payment schedule that makes budgeting easier over the life of the loan.*
Kearny Bank offers Home Equity Lines of Credit to help meet your needs:
Borrow up to 80% of your home's value and use it for big expenses like school, home upgrades, and more. Payments can be automatically deducted from your Kearny Bank checking account, and there's no penalty for paying early.
For more details call us at 800-273-3406.
*The information provided is for educational purposes only. Kearny Bank currently offers Home Equity Lines of Credit (HELOCs) but does not offer Home Equity Loans at this time.
Current Promotional Offer
Relationship Money Market
3.30% APY
$250,000-$499,999.99 Initial Opening Deposit / Minimum Balance to obtain APY
Personal Checking
Relationship Checking
| Min Balance to Obtain APY | Interest Rate | APY | Additional Information | |
|---|---|---|---|---|
| $2,500 | 0.15% | 0.15% | Must maintain an average daily balance of at least $2,500, receive monthly direct deposit and receive monthly eStatements. | Open Now |
| $2,500 | 0.05% | 0.05% | On entire balance of account if average daily balance is under $2,500 and/or all qualifications are not met | Open Now |
The Annual Percentage Yields (APYs) are effective 11/03/2025. Rates are subject to change at any time. Fees could reduce earnings.
High Yield Checking
| Min Balance to Obtain APY | Interest Rate | APY | Additional Information | |
|---|---|---|---|---|
| N/A | 1.00% | 1.00% | On balances up to and including $25,000, when qualifications are met. Balances over $25,000 earn 0.15% interest rate on portion of balance over $25,000, resulting in 1.00% - 0.25% APY. Non-qualifying accounts receive 0.05% APY. Initial deposit of $100 required to open account. | Open Now |
The Annual Percentage Yields (APYs) are effective 11/03/2025. Rates are subject to change at any time. Fees could reduce earnings.
Senior Checking
| Min Balance to Obtain APY | Interest Rate | APY | Additional Information | |
|---|---|---|---|---|
| N/A | 0.15% | 0.15% | Primary account holder must be 60 years of age | Open Now |
The Annual Percentage Yields (APYs) are effective 11/03/2025. Rates are subject to change at any time. Fees could reduce earnings.
Fixed Rate Mortgage
Explore our most popular mortgage option: a fixed-rate mortgage from Kearny Bank. Enjoy peace of mind with a steady interest rate (and payment) for the entirety of your loan. The total interest paid on your fixed-rate mortgage depends on the loan's duration.
15 Year Fixed Rate
| Interest Rate | APR | Points Paid | Months | Monthly Payment per $1,000 | Additional Information |
|---|---|---|---|---|---|
| 5.500% | 5.680% | 0 | 180 | 8.17 | APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. |
20 Year Fixed Rate
| Interest Rate | APR | Points Paid | Months | Monthly Payment per $1,000 | Additional Information |
|---|---|---|---|---|---|
| 5.875% | 6.023% | 0 | 240 | $7.09 | APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. |
30 Year Fixed Rate
| Interest Rate | APR | Points Paid | Months | Monthly Payment per $1,000 | Additional Information |
|---|---|---|---|---|---|
| 6.125% | 6.240% | 0 | 360 | $6.08 | APR based on a $300,000 loan amount. Purchase/Owner-Occupied, 75% LTV, minimum credit score 740. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. |
Savings
| Account | Interest Rate | APY | Initial Opening Balance/Min Balance to Obtain APY | |
|---|---|---|---|---|
| Savings (Statement) | 0.05% | 0.05% | $100 | Open Now |
| Holiday Club | 0.10% | 0.10% | $5 | - |
| Kid's Club Account | 0.25% | 0.25% | $10 | - |
Adjustable Rate Mortgage
Kearny Bank offers adjustable rate mortgages with 5-, 7-, and 10-year adjustable rate periods that often offer lower rates than standard fixed-rate loans. Choosing an ARM allows you to enjoy a lower mortgage payment and interest rate. However, remember that it comes with the risk of increased rates in the future, which can lead to higher mortgage payments down the road. Plan carefully and consider all your options before making a decision.
5/6/30 Adjustable Rate
| Interest Rate | APR | Points Paid | Months | Monthly Payment per $1,000 | Additional Information |
|---|---|---|---|---|---|
| 5.990% | 6.741% | 0 | 360 | $5.99 (first 60 monthly payments) | 2.75% Margin - 2/1/5 Caps, 1-4 Family Owner Occupied, 90% Max LTV, PMI Required with less than 20% down. 60 payments of $5,390.17, 299 @ $5,985.41, 1 final payment of $5,984.23. Example based on $900,000 loan amount at an interest rate of 5.99% for the initial 60-month period, and a rate of 7.125% after the initial period. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. |
The Annual Percentage Rate (APR) is variable and may increase after consummation. For loan amounts greater than $806,500 up to $1,500,000. All interest rates are for NJ properties only and are subject to change without notice. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Subject to credit approval. Annual Percentage Rate (APR) listed are as of 09/26/2025.
7/6/30 Adjustable Rate
| Interest Rate | APR | Points Paid | Months | Monthly Payment per $1,000 | Additional Information |
|---|---|---|---|---|---|
| 6.125% | 6.677% | 0 | 360 | $6.08 (first 84 monthly payments) | 2.75% Margin – 5/1/5 Caps, 1-4 Family Owner Occupied, 90% Max LTV, PMI Required with less than 20% down. 84 payments of $5,468.49, 275 @ $5,964.86, 1 final payment of $5,961.99. Example based on $900,000 loan amount at an interest rate of 6.125% for the initial 84-month period, and a rate of 7.125% after the initial period. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. |
The Annual Percentage Rate (APR) is variable and may increase after consummation. For loan amounts greater than $806,500 up to $1,500,000. All interest rates are for NJ properties only and are subject to change without notice. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Subject to credit approval. Annual Percentage Rate (APR) listed are as of 09/26/2025.
Home Equity Lines of Credit
15 Year Revolving Credit Line (variable)
| Interest Rate | APR | Months | Additional Information |
|---|---|---|---|
| 5.990% | 5.990% | 180 | $5,000 Min, $500,000 Max, 80% LTV, 1-4 Family Owner Occupied, Introductory rate of 5.990% for first six months then Prime Rate + 0.000%, maximum rate is 18.000% (ceiling rate), minimum rate is 4.950% (floor/start rate). NO CLOSING FEES. Payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater. Homeowners insurance is required; flood insurance is required where necessary. Subject to credit approval. |
Money Market
Relationship Money Market
| Min Balance to Obtain APY | Interest Rate | APY | Additional Information | |
|---|---|---|---|---|
| $0.00 - $14,999.99 | 0.05% | 0.05% | $15,000 minimum deposit to open account. New money only. New money means funds from outside Kearny Bank. | Open Now |
| $15,000-$99,999.99 | 3.05% | 3.10% | - | Open Now |
| $100,000-$249,999.99 | 3.15% | 3.20% | - | Open Now |
| $250,000-$499,999.99 | 3.25% | 3.30% | - | Open Now |
| $500,000-$999,999.99 | 3.34% | 3.40% | - | Open Now |
| $1,000,000+ | 3.59% | 3.66% | - | Open Now |
The Annual Percentage Yields (APYs) are effective 11/03/2025. Rates may change after the account is opened. Fees could reduce earnings.
This account requires a deposit of new money only. New money means funds from outside Kearny Bank. Requirements: Maintain at least $15,000 daily average balance to avoid $20 minimum balance fee. A $3.00 monthly maintenance fee will be assessed each monthly statement cycle, after the first two statement cycles. This maintenance fee will be waived if you enroll in eStatements. Relationship Money Market is available for personal accounts only. Restrictions apply. Contact your local branch today for complete details.
Certificates of Deposit
| Account | Interest Rate | APY | Initial Opening Balance/Min Balance to Obtain APY | |
|---|---|---|---|---|
| 30 Day CD | 0.05% | 0.05% | $25,000 | - |
| 91 Day CD | 0.05% | 0.05% | $1,000 | - |
| 4 Month CD | 3.63% | 3.75% | $500 | - |
| 6 Month CD | 0.05% | 0.05% | $1,000 | - |
| 7 Month CD | 3.49% | 3.60% | $500 | - |
| 10 Month CD | 3.39% | 3.50% | $500 | - |
| 1 Year CD | 1.95% | 2.00% | $500 | - |
| 13 Month CD | 3.20% | 3.30% | $500 | - |
| 18 Month CD | 1.71% | 1.75% | $500 | - |
| 19 Month CD | 2.92% | 3.00% | $500 | - |
| 2 Year CD | 0.39% | 0.40% | $500 | - |
| 3 Year CD | 0.54% | 0.55% | $500 | - |
| 4 Year CD | 0.69% | 0.70% | $500 | - |
| 5 Year CD | 2.92% | 3.00% | $500 | - |
Retirement
| Account | Interest Rate | APY | Initial Opening Balance/Min Balance to Obtain APY | |
|---|---|---|---|---|
| Statement Savings IRA | 0.05% | 0.05% | $25 | - |
| 4 Month IRA | 3.63% | 3.75% | $500 | - |
| 6 Month IRA | 0.05% | 0.05% | $1,000 | - |
| 7 Month IRA | 3.49% | 3.60% | $500 | - |
| 10 Month IRA | 3.39% | 3.50% | $500 | - |
| 1 Year IRA | 1.95% | 2.00% | $500 | - |
| 13 Month IRA | 3.20% | 3.30% | $500 | - |
| 18 Month IRA | 1.71% | 1.75% | $500 | - |
| 19 Month IRA | 2.92% | 3.00% | $500 | - |
| 2 Year IRA | 0.39% | 0.40% | $500 | - |
| 3 Year IRA | 0.54% | 0.55% | $500 | - |
| 4 Year IRA | 0.69% | 0.70% | $500 | - |
| 5 Year IRA | 2.92% | 3.00% | $500 | - |
Tiered Business Money Market
| Account | Interest Rate | APY | Initial Opening Balance/Min Balance to Obtain APY | |
|---|---|---|---|---|
| Tier 1 | 0.05% | 0.05% | $0-$9,999.99 | Contact Us |
| Tier 2 | 2.47% | 2.50% | $10,000-$24,999.99 | - |
| Tier 3 | 2.71% | 2.75% | $25,000-$49,999.99 | - |
| Tier 4 | 2.96% | 3.00% | $50,000+ | - |
Annual Percentage Yields (APYs) are effective as of 06/20/2025. Rates may change after the account is opened. Fees could reduce earnings.
Truth In Lending Disclosure
- Rates are subject to change at any time without notice. Points are costs paid in lowering a loan's rate of interest and/or to pay any loan origination costs. 1 point is equal to 1% of the loan amount.
- A Fixed Rate Mortgage is a mortgage that may have a fixed principal and interest payment up to a maximum of 30 years or 360 payments. Monthly principal and interest payments do not include Real Estate Taxes, Homeowners/Flood Insurance or Private Mortgage Insurance (PMI) for down payments that are less than 20% of the purchase price.
- APR represents the "Annual Percentage Rate".
- An Adjustable Rate Mortgage (ARM) is a mortgage that starts at a rate of interest that is usually lower than a Fixed Rate Mortgage. This loan will re-price after an introductory period to a rate that takes into account a preselected index. The most commonly used index is the weekly average yield on United States Treasury Securities adjusted to a constant maturity of one (1) year, as reported by The Federal Reserve Board. To this index, the borrower's pre-determined margin is added, then rounded to the nearest 1/8th of a percent, to arrive at the new mortgage loan interest rate for the next rate period based upon the terms of your promissory note. This is the most common type of adjustable rate mortgage offered. Monthly principal and interest payments do not include amounts for taxes and insurance, if applicable. Actual payment obligation will be greater.
- Payment shown is cost per $1,000 borrowed.
How You Can Use Your HELOC
Home Improvements & Renovations
Transform your house into your dream homeBig-Ticket Purchases
TVs, appliances, furniture
Major Vacations
Second honeymoons, once-in-a-lifetime experiencesSpecial Occasions
Dream wedding and anniversary celebrations
Debt Consolidation
Eliminate higher-cost debt
Education
Without student loan worries
What our clients are saying...
Related Products
Explore our range of personal banking services today.
Relationship Money Market
Earn interest and watch your savings grow.
Statement Savings
Start saving for your future the simple way.
Cash Back Checking
The checking account that PAYS you cash back on your point-of-sale purchases.
Simple Checking
Get your checkless checking account with no overdraft fees.