Have you heard? We’re Moving! On Tuesday, May 16, we open the doors to our new home. Learn More.

Home Loans

There's no place like your own home

Whether you're looking to purchase a new home or would like to refinance or take equity out of an existing home, we have the loans for you with minimal fees, low interest rates and flexible payment plans. Our lending team and trusted business partners will work with you to find the best loan options to fit your personal needs.

Home Equity Loan

  • Fixed rate
  • No annual fee
  • 90% Loan to Value (LTV)
  • Start to finish processing in 10 to 14 business days
  • Interest is often tax deductible*
  • Loans available for up to $250,000
  • Terms up to 15 years

View Rates »


Home Equity Line of Credit

  • Fixed and Variable rates available
  • No annual fee
  • 90% Loan to Value (LTV)
  • Start to finish processing in 10 to 14 business days
  • Access to loan advances available in seconds via Speedyline
  • Open, revolving Line of Credit for the first 2 years
  • Interest is often tax deductible*
  • Loans available for up to $250,000
  • Converts to a 10 year term loan after the 2nd year

View Rates »


Point West Blog: What’s New.

Blog posts. Event calendars. Educational opportunities. Alerts. Tips. And more! Find out what’s new at your credit union!

Read More

Calculate & Consider.

Not sure what loan rates you’re able to afford? No worries! As a Point West Credit Union member you have access to a number of free, loan cost calculators. We have partnered with BALANCE to provide these resources at no charge to our members.

Learn More

Loans Simplified.

As a not-for-profit, member-owned, Portland, Oregon based credit union, we return the money we make to our members in many ways, including low loan rates. Compare our loan products and rates today.

Apply Now

*While interest is typically tax deductible, please check with a tax advisor to confirm deductions before taking on any loans.

The interest rate a member pays is based on the member’s credit worthiness, credit history, loan-to-value ratio and term of the loan.Minimum Line of Credit for the Fixed HELOC is $5,000. For lowest rate, loan payments must be made via automatic payment. Rate is 0.25% higher for non-auto pay loan payments.

To qualify for a HELOC, a member must have sufficient home equity to qualify for minimum line of $5,000. Rates change the 1st day of the following month after Prime Rate index changes. Minimum payment: 1.50% of outstanding balance. The margin connected to Prime Rate is determined by credit score.

NMLS ID #440206

External Link Warning!

You are now leaving the pointwestcu.com. The linked site is not owned or controlled by the credit union. The credit union is not responsible for the availability, content or security of the linked site. The credit union is not responsible for any claims related to any goods or services obtained from the linked site. The linked site’s privacy policies may differ from those of the credit union and the credit union is not responsible for compliance with those policies.

Go Back to Point West Continue to Link Location