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Borrow Money

Dreaming big doesn’t always mean saving for something new. Sometimes, you may choose to borrow money to make your dreams a reality sooner rather than later.

Aspire FCU has many loan products and services to help you reach your dreams.

Home Equity Line of Credit (HELOC) (also known as a Second Mortgage)

Once you’ve built up equity in your home, you can make it work for you by turning that equity into cash. A home equity  line can help you consolidate debt into one low monthly payment that you can handle. This popular form of borrowing offers unique benefits:

  • Generous credit limits, up to 90% of your home’s appraised value
  • Variable rate based on Prime Rate
  • Quick approval
  • Free check access
  • No annual fees, attorney’s fees, appraisal fees or pre-payment penalties
  • No credit union closing costs
  • 10 year draw period; 10 year repayment thereafter
Home Equity Loans (also known as a Second Mortgage)

Another great product you can use to tap into the equity you’ve built up in your home is a Home Equity Loan. Many of our members use Home Equity Loans to pay for home improvements, vacations, debt consolidation or college tuition. This popular form of borrowing offers some unique advantages:

  • Borrow up to $250,000
  • Keep your payments steady with a low, fixed rate
  • Manageable payments with up to 15 years to repay
  • Quick approval

Call our Loan Experts at 732.388.0477 for more information and to apply.

Ready to apply now? Apply online.

*Some state residents are subject to mortgage tax. Aspire FCU does not do home equity (also known as a Second Mortgage) lending in the states of Texas and California.

Personal Loans

A personal loan is a great resource to help you with smaller purchases or unexpected needs that come up at different times in your life. Aspire FCU offers competitive rates, flexible terms and affordable payments!

Personal Loan – A higher credit limit provides the cash you need.

Credit Builder Loan – Looking for a way to build new credit or restore credit history? A Credit Builder Loan is perfect for you. The concept is simple. A loan is made to you, but the funds are put on hold in your savings share account. Ultimately, the loan will create a positive credit history for you.

FlexLine (Checking Overdraft/Personal Line-of-Credit) – With this convenient, flexible line of credit in place, you’ll be ready for anything! You can draw on your line of credit any time a need comes up, and you pay only on the amount you borrow.

Credit Cards

Aspire is now offering Mastercard Credit Cards! Whether it’s points you want, a low-rate or no annual fee, we have the card for you! Apply today and transfer your balances from those high-rate cards to our low-rate Mastercard.

Check out the Aspire Credit Card page to compare cards.

Existing Aspire Mastercard Credit Card holder? Click here to access your My Credit Card Online

Effective January 1, 2013, Aspire Federal Credit Union is no longer affiliated with your Elan credit card. Your account access point has changed to www.myaccountaccess.com. Call 800.558.3424 for more information.


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Important Numbers: Routing # 226076083

Member Contact Center 732-388-0477

Loan Hotline
1.855.MY CU LOAN 1.855.692.8562

Call24: 732-388-0477

Lost or Stolen Credit Cards: 1.800.449.7728

Lost or Stolen MasterCard Debit Cards: 1.866.820.1072