Access the Money You Need

A Fixed-Rate Home Equity Loan is the answer for customers seeking a consistent monthly payment that fits within a particular budget. Bogota Savings Bank offers a variety of products, all at competitive rates. Our knowledgeable lending team will take the time to understand your individual needs in order to select the financing option right for you.

How to Apply

Visit your local branch or call (201) 862-8260 Ext 1124. You can also choose to take advantage of our Online Fixed-Rate Home Equity Loan Application or download a hard copy of our FRHE Application.

Get this special rate now

10-year Fixed-Rate Home Equity at 6.500% APR*.

*APR= Annual Percentage Rate. First and second lien 1-4 family (owner-occupied) with a loan amount up to $750,000 has a maximum loan to value (LTV) of 80%; loan amount from $750,001 - $2,000,000 has a maximum LTV of 75%; loan amount above $2,000,000 has a maximum LTV of 70% Maximum LTV’s for Condos, Planned Unit Developments and Townhouses will be reduced by 5%. Loan amounts $300,000 or more may require title insurance at borrower’s expense; Adequate property insurance is required at borrower’s expense and flood insurance may be required also at borrower’s expense. Subject to credit and underwriting approval. Loans available on 1-4 family owner-occupied dwellings in many NJ counties. Appraisal required. Other rates, terms & products also available. Rate valid as of April 2nd, 2025 and is subject to change at any time without prior notice. The bank is not responsible for any errors or misrepresentations.