It’s the perfect time to access the equity in your home. Get approved now for a KeyPoint Credit Union Home Equity Line of Credit. We are offering a 12 month introductory rate of 3.25% APR!*
With an offer this great, why wait to start projects that will increase your home’s value? And, why wait to consolidate debt!
- Remodeling your home: Upgrade the bathroom, add more living space, enlarge the deck
- Repairing your home: Fix the roof, replace windows, install a new furnace
- Upgrading your curb appeal: Install eco-friendly landscaping, repair your driveway, replace the fence
- Consolidating debt: Free yourself from costly debt
After the initial fixed period, you receive a variable rate as low as Prime.
Act now! Rates like this won’t last.
Call (877) 888-9634 Mon—Fri, 9:00-6:00; Sat 9:30-3:00.
*After Introductory Period for Fixed Rate, rate is variable, based on Prime Rate as published in The Wall Street Journal Money Rates Table ("Index") plus 0%. Your rate may be higher depending on your credit score at time of application.
Equity lines are available for owner-occupied single-family, townhomes, condominiums (subject to additional restrictions) and 2-unit properties (1 unit must be owner-occupied). The lowest rates as shown require (a) $25,000 minimum line amount, (b) 75% or lower loan to value (LTV)/combined loan to value (CLTV) ratio, and (c) a minimum credit score of 760. The floor rate is equal to the Index published at time of loan application. The lifetime maximum variable APR is 16.00%. Equity lines have a 10-year draw period and a 20-year repayment period for a total term of 30 years. Interest only payments during 10-year draw period. Fees to establish an equity line typically range from $950 - $1,500. Equity lines are subject to a full appraisal. Line amounts above $250,000 and/or above 75% LTV/CLTV require a full appraisal instead of an exterior appraisal. The fee for a full appraisal typically ranges from $525 - $750. An appraisal may be subject to additional fees for certain property characteristics, including but not limited to, acreage, large home size, waterfront and/or additional amenities. No annual fee or early termination fee. All loans subject to credit approval. Rates and terms subject to change without notice. Maximum line amount is $500,000 and maximum cash in hand is $250,000.
Rates accurate as of 10/11/2019 and subject to change.