Home Loan Rates
These home loan and home equity rates open the door to opportunity
Get a customized mortgage rate or refinance at a better rate to lower your loan payment. You can also tap into your equity with a loan or line of credit that delivers financial flexibility you want. It's easy to find a home loan that fits your plans.
Explore competitive savings, loan, and mortgage rates from KeyPoint Credit Union designed to help you maximize value and plan confidently. Serving the San Francisco Bay Area, Santa Barbara County and beyond.
Home Equity Line of Credit
|
Loan Type
|
Introductory Period for Fixed Rate*
|
Initial Fixed APR
|
Annual Percentage Rate (APR)
|
|---|---|---|---|
| Home Equity Line of Credit: $250,000 and less | 12 Months | As low as 6.24% | As low as 6.75% |
| Home Equity Line of Credit: $250,001 - $500,000 | Not Applicable | Not Applicable | As low as 7.25% |
| High CLTV Home Equity Line of Credit: $175,000 and less | 12 months | As low as 7.24% | As low as 7.50% |
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% for lines $250,000 and less or plus 0.500% for lines above $250,000. 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 4.50%. 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 $600 - $900. 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 4/1/2026 and subject to change.
Home Equity Loan
|
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% |
* Rates and terms available as of 4/1/2026; 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 $11.62 per month per $1,000 borrowed at 7.000% APR for 10-years.
Equity loans 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) $20,000 minimum loan amount, (b) 80% or lower loan to value (LTV)/combined loan to value (CLTV) ratio, and (c) a minimum credit score of 700. Fees to establish an equity loan typically range from $950-$1,500. On purchase transactions, fees are waived on home equity loan when combined with a KeyPoint 1st mortgage ("Combo"). Equity loan may be subject to a full appraisal. The fee for a full appraisal typically ranges from $600-$900. 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. All loans are subject to credit approval.
Loan Product availability subject to loan amount. Until you lock your rate, Annual Percentage Rate (APR) and terms are subject to change, including rates, points, rebates and fees. Rates and APRs may vary depending on loan details, such as points, loan amount, loan-to-value, your credit, property type, and occupancy. ARM rates subject to increase during loan term. Quoted payments are monthly payments for principal and interest only. The payment amounts do not include impounds for property taxes and hazard insurance. Rates for ARM loans represent an introductory rate and introductory payment for a period of time. After such, the rate may increase or decrease to a fully indexed rate (index plus margin). Our fees are subject to change in the event parameters of the loan change from those presented at the time of application and loan closing, such as but not limited to, a change in the loan amount, appraised property value, credit score of applicant or type of property. Additional fees may be required in the event that we do not receive your documentation within 48 hours of any request or in the event that a third party such as an appraiser or title company does not perform their duties in a timely fashion.