The right loan at the right time!
No matter what life adventures you have planned, we are here to help! Take out a student loan, purchase or refinance your home, buy or refinance your car, make home improvements and upgrades, or get your backyard ready for the fall! Ready to get started?
Home Equity Line of Credit
Take advantage of low rates to help you do more! Tackle your to-do list affordably. Get a line of credit equal to the equity you have in your home. Use it to cover home improvements, pay off other high-interest loans or credit cards, build a home office, buy a car, and more.
- Promotional 2.01%* off our already low 8.75% APR for the first 12 months!
- Interest only or amortized payment options
- No application, appraisal, or annual fees**
- No closing costs
- Existing HELOCs are eligible with a refinance fee***
- Interest may be tax deductible†
- No pre-payment penalties
Auto Refinance Program
Lower car payments are here to help you do more. Bring us your current car loan from another financial institution and start saving monthly!
Solar and Green Living Loans
Increase your home's value while saving money on your electric bill with affordable solar financing. We also provide financing for energy-wise home upgrades and improvements.
- As low as 7.49% APR****
- Terms up to 120 months
- Already have solar financing? Let us refinance your higher-interest solar loan.
Personal Loans
For your personal needs, unexpected expenses, or planned purchases, MyPoint Credit Union offers personal loans to fit your budget.
*APR=Annual Percentage Rate. Subject to loan approval and may change without notice. Introductory Annual Percentage Rate Discount of 2.01% is offered on owner-occupied single-family, condominium, or townhome in California with a maximum Home Equity Line of Credit (HELOC) line of $250,000 at 75% combined loan-to-value (CLTV) for twelve months on new lines only. Thereafter, the rate increases to the regular rate. The HELOC rate, based on the current Prime Rate as published in the Wall Street Journal (the index) plus a Margin, is variable and subject to change monthly. Maximum APR is capped at 14.75% based on the current Prime rate and is subject to change. A minimum APR limit of 4.00% also applies. Rates and terms are accurate as of . Membership and certain restrictions apply.
**A lien will be required on the subject property. All loan programs are subject to approval. Additional restrictions apply to all programs. This offer is only available on MyPoint Credit Union home equity lines of credit that are owner-occupied single family residences or owner-occupied townhomes located in California. Investment properties are not included in this promotion. All interest rates are subject to change. Must meet membership eligibility and lending criteria. Real estate loans are available only to MyPoint Credit Union members. A homeowner’s insurance policy with MyPoint Credit Union as loss payee and maximum $1,000 deductible is required at the borrower's expense.
***A refinance fee of $500 is required for an existing MyPoint HELOC with a credit limit up to $250,000; a refinance fee of $1,000 is required for an existing MyPoint HELOC with a credit limit greater than $250,000. This fee will be waived if the existing HELOC is no longer in its 10-year draw period.
†Consult your tax advisor for details.
****APR = Annual Percentage Rate. Rates and terms effective . Monthly payments per $1,000 borrowed for 120 months at 7.49% APR=$11.87. Calculation based on a $10,000 loan for 120 months. 240-month terms available. All rates, terms, and conditions are subject to change. Other rates and terms available.
