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

Rates

Home Equity Rates

  •  Rates Effective: 03-27-2015
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.

Frequently Asked Questions

Disclosures

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.