Learn how to access the account via online banking or the mobile banking app.
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Everything you need to know about managing your home equity loan.
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How to access your Quorum HELOC.
To access your loan account for the first time, you'll need to enroll in online or mobile banking.
Log in or register
Log in to online banking or via the mobile banking app.
View your HELOC
Select Home Equity Loan under Accounts.
Manage your account
Use our HELOC servicing portal to download statements, make payments, and more.
How to make loan payments.
Multiple ways to make a payment. Choose what works best.
Manage payments in online banking.
- HELOC Service Center: Click on the Manage My Account tab under your Home Equity Loan account view in online banking. Then click on Making Payments, and follow the prompts to schedule a payment.
- Transfers: Click on Transfers then transfer funds from a Quorum savings/checking account to your Home Equity Loan. If you are transferring funds from another bank account, you'll need to move the funds from your external account to a Quorum savings/checking account first.
- Bill Pay: Click on Bill Payment, then Add Payee. Follow the prompts to complete the process (be sure to use the payment details provided in your monthly HELOC statement).
Alternative payment methods.
- Call (877) 909-2544: You will need your loan number, the primary borrower's SSN#, and mailing address on file.
- Pay by Check: Preferred: Send check payments to the address noted on your statements OR send check payments to (slower processing): Quorum Federal Credit Union P. O. Box 11733 Newark, NJ 07101-4733
- Use Your Bank's Bill Pay Service: Send check payments to: Quorum Federal Credit Union P. O. Box 11733 Newark, NJ 07101-4733
Payoff can be requested via phone.
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For HELOC or Home Equity Loans: Call (877) 772-9633. Please be sure to have your loan number and the primary borrower’s phone number on file. The automated phone line is the fastest option and the only same-day option.
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For First Mortgages: Call (866) 301-0137. Once the request has been made, loan payoff statements are typically available online within 4 hours. However, if a manual review of the request is required, it may take 2-5 business days for the statement to be available.
Questions? Call (800) 874-5544, Monday through Friday, 8:30 a.m. to 7:00 p.m. ET.
How to withdraw money from your HELOC.
Access HELOC funds instantly with QClassic Checking.
Plus, get a $300 bonus on us!
When you open a QClassic checking account, you’ll be able to draw up to $50K2 of your HELOC funds instantly—ready to spend using your Debit Mastercard, Zelle, or electronic transfers.
Here’s how:
- Go to Open > Checking / Savings, then choose QClassic.
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Follow the steps and hit Submit.
As soon as you hit Submit (given you've already closed on your loan), you’ll be able to draw up to $50K of your HELOC funds instantly by transferring funds from your HELOC to your new QClassic Checking.
And, to get the $300 bonus, simply set up direct deposits totaling $5,000 within 90 days.
Request a HELOC advance.
- Login: Log in to your account via online banking or the mobile app.
- Request a HELOC Advance: Select Move Money > HELOC Advance. On the mobile app, select More first, then Move Money > HELOC Advance.
- Transfer to your QClassic or any Quorum account you want.
- Submit!
Remember, if you open a QClassic Account, up to $50K of your HELOC funds is available instantly!
How to access statements and documents online.
To access Home Equity Line-of-Credit statements, enrollment in online banking is required first, then opt in to receive eStatements in the Home Equity Loan Service Center.
Follow these steps:
Log in to online banking.
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Click on the Home Equity Loan account.
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Click on the "Manage My Account" tab.
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Click on the Documents button, then Enroll in Alerts.
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Accept the disclosures.
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Click on Enroll Now.
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To access statements for any other Quorum product, visit the statements page.
To request a copy of loan documents, call (800) 874-5544, Monday–Friday, between 8:30 a.m. and 7:00 p.m. ET.
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Track the status of a HELOC application.
Stay in the loop from application to closing. The HELOC application portal makes it easy to check loan status, upload required documents, or message the assigned Loan Officer directly. Email and SMS updates are also available—simply opt in during the application process.
What to expect after closing on a HELOC.
1. Closing
Review the terms, interest rate, and amounts on the loan documents before signing. A First Payment Letter will also be provided — outlining the first payment amount and due date, how to make payments, and how to access funds.
2. Transfer of servicing letter
Within 10 business days after closing, a letter will arrive by mail with the loan number and information on the loan servicer partnered with Quorum for ongoing loan management.
3. Welcome email
Within 10 business days after closing, a welcome email from Quorum will outline how to access membership and loan accounts online.
4. First payment
In addition to the First Payment Letter received at closing, a billing notice will arrive in the mail at least 15 days prior to the first payment due date.
5. HELOC checks
HELOC checks arrive within 5–10 business days after the loan has been funded. Use them to withdraw money from the HELOC account or pay service providers directly.
Need to reach a representative?
Get in touch online, by chat, or by phone—whatever works best for you.
- Call: 877-909-2544. Hours: Monday–Friday, 8:30 a.m. to Midnight ET Saturday, 8:30 a.m. to 5:00 p.m. ET.
- Send a secure message: Log in to online banking. Under Accounts, select Home Equity Loans > Account Management > Messages.
- Chat: Log in to online banking. Under Accounts, select Home Equity Loans > Account Management > Chat.
HELOC CHECKING OFFER
Instant access to HELOC funds + a $300 bonus.
Open a QClassic Checking and access up to $50K2 of your HELOC funds instantly!
Here's how:
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Once your Quorum account is opened, log in to your account.
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Go to Open > Checking/Savings, then choose QClassic.
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Follow the steps and hit Submit.
As soon as your loan closes, you’ll be able to draw up to $50K of your HELOC funds instantly!
To get the $300 bonus3, simply set up qualifying direct deposits totaling $5,000 within 90 days.
Tips that help you make the most out of your home.
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HELOC servicing FAQs.
First Mortgages:
- The "Transfer of Servicing" letter provided at loan closing will contain the loan number.
- Contact the Member Services team at (866) 301-0137, Monday–Friday, 9:00 a.m.–6:00 p.m. ET.
Second Mortgages/HELOCs:
- The "Transfer of Servicing" letter provided at loan closing will contain the loan number.
- The monthly billing statement will also contain the loan number. Access statements online by logging into online banking → Accounts → Home Equity Loans → Account Management → Document Center.
- Contact the Member Services team at (877) 909-2544: Monday–Friday, 8:30 a.m.–12:00 a.m. ET; Saturday, 8:30 a.m.–5:00 p.m. ET.
Yes. Recurring transfers can be set up to second mortgage and credit card accounts using the Transfers service in online banking:
- Log in to online banking.
- Under the "Transfers" menu, click on "Transfers."
- Select a "From" account.
- Select the loan account from the "To" dropdown.
- Follow the prompts, then click "Submit Transfer."
Any amount up to the available balance on the HELOC can be requested. Processing may take up to 4 business days, and the draw might not immediately reflect in the available balance. If other recent HELOC advance requests have been made, factor that amount into the new request to avoid a possible rejection.
- Online Requests: Subject to a hold of 3–4 business days. To expedite, contact (800) 874-5544, Monday–Friday, 8:30 a.m.–7:00 p.m. ET, after submitting the request.
- Mobile Check Deposits: 3–5 business days for funds to be available.
- Mailed Checks: Processing time varies based on delivery and the recipient's financial institution.
Yes. Quorum offers first mortgages and co-op loans. Visit the mortgage page for more information.
Email mls@quorumfcu.org with the request. Download the Subordination Checklist for the list of required documents.
Download the Loan Subordination Checklist and submit the form along with the required documents to mls@quorumfcu.org.
Borrowing limits vary by product, available equity, and qualifications. A Quorum lending specialist can help determine how much you may be eligible to borrow based on your property, equity, and financial profile.
Let's connect.
Complete the short form below, and we'll connect you with the right team to help move things forward.