The financing you need – all under your roof

Your home has likely built up equity over the years. Access it as an affordable loan to start all types of projects. Home repairs and remodeling usually rank high on Members' list, but the possibilities are endless. Use a Home Equity Loan for debt consolidation, medical expenses, vehicle purchases, education costs or anything else in life when you know exactly how much money you need. The fixed rate helps you budget easily, and your annual interest payments may be tax-deductible. Just consult your financial advisor for full details.

Access the value of your home with a KeyPoint Credit Union Home Equity Loan or HELOC, ideal for renovations, expenses, or debt consolidation. Serving the San Francisco Bay Area, Santa Barbara County and beyond.

A Home Equity Loan is the key to unlock possibilities

Home Equity Loan

Effective Date: 4/1/2026
Term
Fixed Rate*
Annual Percentage Rate (APR)
7 Years As low as 7.000% As low as 7.284%
10 Years As low as 7.000% As low as 7.207%
15 Years As low as 7.000% As low as 7.148%
20 Years As low as 7.500% As low as 7.621%
Resources to help you get the right home loan
Home Loan Rates
Check out our great home loan rates
HELOC Calculator
Find out how much equity you can access
Check Loan Application Status
Get an update on your loan process
Loan Comparison Calculator
Compare loans to find the best one for you
Auto Loans
Up to 125% financing on new vehicles

Get up to 125% financing with new vehicles and 120% on used with an Auto Loan.

*Rates and terms available as of 3/1/2026; subject to change without notice. Conditions and restrictions apply. Approved applicants may be offered a higher interest rate depending on credit score, loan to value ratio and other factors we may consider. Pay $11.88 per month per $1,000 borrowed at 7.709% APR for 10-years.

KeyPoint Membership required.