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. Fixed Home Equity Loans For New Jersey properties, click HERE for rates and to apply. For New York properties, click HERE for rates and to apply. Home Equity Lines of Credit For New Jersey properties, click HERE for rates and to apply. For New York properties, click HERE for rates and to apply. Special Home Improvement Loan (maximum $10,000) 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 Up to 5 Years 1.99% (years 1-5) $17.52 Up to 10 years 2.49% (years 6-10) $9.42 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 1 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. 2 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 ALL OFFERS MAY BE WITHDRAWN AT ANY TIME WITHOUT PRIOR NOTICE.