FAQLocationsProductsFor EmployersNewsletterServicesConsumer InformationApplicationsRatesOnline ServicesDisclosures
Quick Links
  • HEFCU@Home
  • eStatements
  • HEFCU Loans
  • First Mortgages
  • ATM/Branch Locator
  • Check Re-order
  • Visa Rewards
  • HEFCU Rewards
  • Call-24
  • Calculators
  • Debt Management Advice
  • Youth/Student Center
  • Contact Us
Main Branch
29 Emmons Drive, Suite C-40
Princeton, NJ 08540

Call us at:
Toll-free (800) 624-3312
Princeton Phone Number (609) 951-0700
Princeton Fax Number (609) 275-4194

Office Hours:
Monday through Friday 8:30 a.m. to 4:30 p.m.


Home Equity Balloon Loan

Using the equity in your home is a smart way to borrow!  We offer fast and easy financing.  Apply online 24/7!  Our fixed rate loans offer longer repayment periods to keep monthly payments low compared to other types of loans.  In addition, your loan may be tax deductible.  With a HEFCU Home Equity Balloon loan, you will have a fixed low APR for the first five (5) years based on a a 15-year amortization; thereafter, refinance and new APR will be based upon current loan rates.


  • Borrow up to 80% of your home's value (minus your first mortgage)
  • Loan amounts up to $200,000 available
  • Property must be owner-occupied and located in New Jersey or Pennsylvania
  • Member's Choice Credit Disability and Credit Life Insurance coverage available
  • NO application fees (minimum $20,000 loan amount)
  • NO prepayment penalty ($500 reimbursement fee assessed on loans paid in full within first 36 months if above application fee is waived as benefit)
  • Closing conducted in our Princeton office or via the mail

Call the Loan Department at (800) 624-3312, option 3, for further details.


Mortgage Loan Originator: Theresa Dempster, NMLS# 456077
Mortgage Loan Originator: Alem Muslic, NMLS# 1042540
Federal Institution Account #422958
NMLS Consumer Access Website: 






Click here for calculators

Click here for our current rates


[ Home | FAQ | Locations | Products | For Employers | Newsletter | Services | Consumer Information | Applications | Rates | Online Services | Disclosures ]

Privacy Policy
Notices, Terms, and Conditions
Design & Hosting by D+H
Browser Requirements
Copyright D+H All Rights Reserved.
NCUA Equal Opportuntity Lender Equal Housing Lender