Home Equity Line of Credit

What can your home's equity help you do? 

Use your home's equity to finance a home office upgrade, a kitchen remodel, and more. You can also use your HELOC for things outside your home, like paying for college tuition, paying off high-interest debt, taking a vacation, buying a car, covering unexpected expenses, and more.

  • 2.99% APR*
  • No application, appraisal, or annual fees**
  • No closing costs
  • Interest may be tax deductible†
  • No pre-payment penalties
  • Can do from the convenience of your own home by calling us at 888-495-3400

Get doing in a few easy steps from anywhere!
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Calculate your monthly payment here!


*APR=Annual Percentage Rate. Subject to loan approval and secured by owner-occupied single family, condominium, or townhome in California. Maximum Home Equity Line of Credit (HELOC) line $250,000 at 80% combined loan-to-value (CLTV). Introductory rate offer is valid on new HELOC applications received by 10/31/2021. Advances made by 4/30/2022 will be eligible for the introductory rate of 2.99%. After the introductory period, rate will adjust on 5/1/2022 to the variable rate under the terms of your loan agreement, currently 4.00% as of 8/31/2021. Rates and terms are accurate as of 8/31/2021. 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.

†Consult your tax advisor for details.