OnPoint lending
Home Equity Line of Credit (HELOC) from OnPoint Community Credit Union
EquityFlex™ line of credit and fixed-portion HELOC options with published variable and fixed APR ranges at ≤80% LTV, subject to credit and equity qualification.
Who it’s for
Homeowners with sufficient equity who need flexible access to funds or a fixed-rate portion for planned projects.
Benefits
- Variable APR line of credit option (EquityFlex™) as published
- Fixed-portion HELOC option as published
- Access to home equity for qualified members
- Published LTV framing (≤80%)
Key features
- EquityFlex™ Line of Credit (≤80% LTV): published 6.75%–7.25% variable APR
- HELOC Fixed Portion (≤80% LTV): published 7.00%–7.75% fixed APR
- LTV and other terms apply
- Credit and equity qualification required
Eligibility & requirements
Membership, credit, and equity qualification required. HELOC eligibility and credit qualification apply
Fees
See current fee disclosures for this product
OnPoint banking with this product
Home Equity Line of Credit (HELOC) is part of OnPoint Community Credit Union (also searched as OnPoint Credit Union, OnPointCU, and OnPoint banking). Manage accounts through OnPoint login, confirm direct deposit with routing 323075880, and review current rates.
Home Equity Line of Credit (HELOC) FAQs
Who offers Home Equity Line of Credit (HELOC) at OnPoint?
Home Equity Line of Credit (HELOC) is offered by OnPoint Community Credit Union (OnPointCU / OnPoint Credit Union) for eligible members in Oregon and Southwest Washington.
How do I bank digitally with OnPoint?
Use the OnPoint login hub at /login/ for OnPointCU login and Online Banking. Enrollment help is on this site.
Are OnPoint deposits NCUA-insured?
Yes. Shares are federally insured to at least $250,000 by the NCUA (charter 62745).