Unlock the value you’ve built in your home and put it to work. OnPoint Home Equity financing gives you the options you need when it comes to updating, adding on to, or refinancing your home. Available as a flexible “use it when you need it” line of credit or in a convertible fixed-rate portion, these financing options can be used for almost anything. And the interest you pay may be tax deductible.1
Our online loan application is quick and easy. Get loan decisions in minutes!
Make the most of your membership with Bundle Rewards. Eligible members receive special benefits and discounts!
We’re a local credit union looking to make your life easier with smart financial solutions, personalized service, and local expertise.
Home Equity Rates
|Maximum Loan-To-Value||Annual Percentage Rate||Alert Me|
|EquityFlex Line of Credit||Up to 100% LTV||3.25% - 5.75% Variable APR|
|EquityFlex Interest Only Line of Credit||Up to 80% LTV||3.25% - 3.75% Variable APR|
|Non-Owner Occupied EquityFlex Line of Credit||Up to 65% LTV||5.00% - 5.50% Variable APR|
|EquityFlex Fixed Portion Option||Up to 100% LTV||4.19% - 11.44% Fixed APR|
|Streamline First Lien Fixed Portion Option||Up to 70% LTV||3.50% - 4.50% Fixed APR|
|Non-Owner Occupied Fixed Portion Option||Up to 65% LTV||6.94% - 10.19% Fixed APR|
|Rates assume a 0.50% discount for automatic payment from a qualifying OnPoint account.|
All OnPoint loans are subject to credit terms and approval.
1 See your tax advisor for information
2 These lines are available for both owner occupied and non-owner occupied residences.
3 Maximum line amount is $20,000 for 100% Home Equity Line of Credit. Maximum line amount is $100,000 for 80% EquityFlex Interest Only Line of Credit. The maximum LTV for EquityFlex Lines of Credit is 100%. The maximum LTV for Non-Owner Occupied and EquityFlex Lines of Credit is 65%.
4 Home must be primary residence, and loan must be in first lien position. Maximum line amount is $250,000. Maximum LTV is 70%.
5 Interest-only payment option is not available for a Non-Owner Occupied EquityFlex Line of Credit, 100% EquityFlex Line of Credit or Fixed Portion Option.