two man with their kids

Ways to Save

Ways to Save With Low Rates

No matter what life adventures you have planned, we are here to help!

Are you looking to lower your monthly payments? We offer many ways to help you save, and now is a wonderful time to take advantage of low rates!

We offer many low-rate lending programs, including:

Earn more and save more with a Liquid IRA Certificate** or Liquid Share Certificate** including unlimited deposits. Learn more.

Call us at 888-495-3400 to see how we can help you save.

Have questions?

HELOC = Home Equity Line of Credit
*APR=Annual Percentage Rate. Subject to loan approval and may change without notice. Introductory Annual Percentage Rate Discount of 1.01% 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.
**IRA=Individual Retirement Account. Liquid IRA Certificate and Liquid Share Certificate requires $1,000 minimum balance. Membership and certain restrictions apply. Rates and terms are accurate as of and are subject to change. Promotional rate is available for a limited time and may be withdrawn at any time. Liquid Share Certificate allows for penalty-free withdrawals and/or deposits at any time until maturity. Penalties may be imposed for early withdrawal of Liquid IRA Certificates. At maturity, funds will automatically convert to a non-promotional, 1-year IRA or Share Certificate, at the current rate then in effect.

a man concentrating while looking at his computer


Have questions? We have answers!

Frequently Asked Questions