Put your home to work -- Call us at 1-888-235-4980 for help. 

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 waiting for? You've worked hard for your home, now it's time it worked hard for you.  

For the first 12 months

2.49% APR

Then a variable rate as low as

3.50% 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)

Ready to get started? Click here to create an account and apply or call us at 1-888-235-4980 for help.

HELOC or Auto Loan to buy a car?
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HELOC or Auto Loan to buy a car?

Determine if a home equity loan may be better than standard automobile financing for purchasing a car.

How much will my loan payment be?
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How much will my loan payment be?

A house is the largest purchase most of us will ever make. Determine what your mortgage payment will be and how much you can afford.

Valley All Access Rewards Checking
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Valley All Access Rewards Checking

Enjoy a simple checking account that puts $20 a month in your pocket for the next year.

Home Equity Rates
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Home Equity Rates

View today's home equity line of credit rates.


Tips, guides and insights 


The Home Equity Line of Credit introductory Annual Percentage Rate (APR) of 2.49% is fixed for the first 12 months from account opening. After that, the variable APR applicable to your account will be indexed to the highest Prime Rate published in The New York Times for the last banking day preceding the first day of each billing cycle with a minimum APR of 3.50% and a maximum APR of 15.9%. As of 1/20/2021, the Prime Rate is 3.25%. This offer assumes applicants with excellent credit and the combined loan to value of all liens is 80% or less. The maximum line amount for this offer is $350,000. A $75 annual fee applies. The term of the line includes a 10-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 $480 applies to NJ & PA properties if your account is terminated during the first 15 months; for NY, AL & FL properties, you must reimburse Valley for out of pocket origination expenses if your account is terminated during the first 36 months. Subject to credit approval. Additional terms and conditions apply. Offer may be withdrawn without notice. © 2020 Valley National Bank. Member FDIC. Equal Opportunity Lender. All Rights Reserved.