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Home Equity and Personal Loan Rates

Access your home’s equity on favorable terms

Apply 24/7 with Loan by Phone: 877-886-8103. Visit our main Home Equity page for more information and to apply.

Home Equity Lines of Credit

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HELOC Interest Rate1 APR
NJ, NY, & PA (with automatic payment from Investors Bank checking account) 2.95% 2.95% Learn More
Fixed Home Equity Loans

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Home Equity Loan APR (2nd Lien Rate with Auto Debit) Monthly P&I Per $1,000
5-year (NJ & PA) 3.750% $18.30
5-year (NY) 3.750% $18.30
10-year (NJ & PA) 3.875% $10.07
10-year (NY) 3.875% $10.07
15-year (NJ & PA) 4.000% $7.40
15-year (NY) 4.000% $7.40
20-year (NJ & PA) 4.125% $6.13
20-year (NY) 4.250% $6.19
Special Home Improvement Loan (maximum $20,000)

Available to low and moderate income borrowers only; no application fee, no appraisal fee and no closing costs. Available only in our assessment areas of New Jersey and New York.

Program APR1 Term Monthly Cost per $1000
Low Census Tract 1.99% (years 1–10) $9.20
Moderate Census Tract 2.29% (years 1–10) $9.33
Personal Loan

Perfect for those who do not own a home; no application fee and no closing costs. Must be an Investors Bank customer for at least one year before applying.

Program APR2 Monthly Cost per $1000
2 to 5 years 9.99% $21.24


To obtain this Introductory Fixed Rate you must have your monthly payment automatically debited from an Investors’ checking account, otherwise the rate is .25% higher. To obtain this Introductory Fixed Rate, you must also perform a draw in the amount of $25,000.00 at closing.  If the funds are used to pay off any Investors Bank debt, the promotional rate will not apply.  If you do not take the draw in the amount of $25,000.00 at closing, the rate will revert to the tiered interest rate structure based on the approved loan amount. The rate for a home equity line of credit is 2.95% for the first nine months after closing with auto debit from an Investors Bank checking account. After the nine month introductory period, the interest rate will be variable. Investors Home Equity Line of Credit has a variable rate feature during the 10-year draw period, and, as a result, the annual percentage rate (APR) and the minimum payment can change monthly. An annual maintenance fee of $50 will be charged on the anniversary of the loan’s origination date. For New Jersey and Pennsylvania Properties, Investors Bank will pay all costs incurred to originate this HELOC up to the first $500,000. If the HELOC is terminated within 24 months from the date of loan closing borrower will be required to pay an Early Termination Fee of $450.00. For New York properties, the borrower will be responsible for the Mortgage Recording Tax fee, excluding the .25% lenders portion if applicable. The borrower is required to pay an Early Termination Fee of $450.00 and the 0.25% lender’s portion of the mortgage recording tax fee if the mortgage is terminated within 24 months from the date of loan closing. Periodic adjustments include only interest and no other costs. During the draw period you are required to make payments of interest (although you may also make payments of principal). During the repayment period beginning in year 11, you must begin making payments of principal and interest at the 15 Year Fixed Home Equity rate in effect at that time. You will be notified of your change in rate and your new monthly payment for the remaining period of your loan 45 days prior to the due date of your new monthly payment. During the draw period, the annual percentage rate is based on an index. The index used is the Prime Rate as published in the Wall Street Journal. Please ask us for the current index value, margin, discount or premium and annual percentage rate. Interest rate information will be provided on your monthly billing statements. At no time will your rate exceed 15%. Offer available for owner-occupied 1 to 4 family homes in NJ , NY and PA. All loans subject to credit approval. Annual Percentage Rate is effective as of February 25, 2021 and is subject to change at any time. Other terms and conditions may apply.

APR: Annual Percentage Rate. All APRs and fees are subject to change without notice. Loans subject to credit approval. Hazard insurance is required on an Equity Loan or Equity Line of Credit.

Fixed Rate Annual Percentage Rate (APR) of 10.24% is reduced by 0.25% when the loan is repaid via automatic deduction from an Investors Bank Checking Account. APR is valid as of July 1, 2017. Must be an Investors Bank customer for a period of at least one year to be eligible to apply. All loans are subject to credit approval. All offers may be withdrawn at any time without prior notice.