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Last Updated: 04/18/2025

KeyPoint CU Home Equity Lines of Credit

from KeyPoint Credit Union

Last Updated: 04/18/2025

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Highlights

Credit Score Range

Starting at 760

Amount Range

Up to $500,000

Maximum LTV

85%

Minimum Draw

N/A

Loan Term (Years)

Up to 20

KeyPoint CU Home Equity Lines of Credit Review

KeyPoint CU Home Equity Lines of Credit is offered by KeyPoint Credit Union (NMLS #417395), a credit union founded in 1979 and based in Santa Clara, CA. KeyPoint CU Home Equity Lines of Credit are available in 50 states and Washington, DC.

Key Takeaways

Very good credit required. You'll need a credit score of at least 760 to qualify.
No primary residences considered. KeyPoint CU Home Equity Lines of Credit does not offer financing for primary homes.
Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
High maximum LTV ratio. KeyPoint CU Home Equity Lines of Credit has a maximum loan to value ratio of 85%.
Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for KeyPoint CU Home Equity Lines of Credit.

KeyPoint CU Home Equity Lines of Credit Pros & Cons

Pros

Cons

Available in all 50 states.

Charges an origination fee.
Only considers applicants with good credit.
Charges prepayment fees.

KeyPoint CU Home Equity Lines of Credit FAQ

How much can you borrow with a HELOC?

HELOCs are lines of credit secured by your home. Once approved, you can access funds by check, phone, credit card, or online up to your credit limit.

Borrowers can apply for lines of credit of up to $500,000. The maximum amount depends on property value, existing mortgage balance, and creditworthiness.

The maximum loan-to-value (LTV) ratio goes up to 85%. This means total debt secured by the property cannot exceed this percentage of its value. For example, on a $100,000 home with a $20,000 mortgage balance, you may qualify for up to $65k in credit.

What are the terms for KeyPoint CU Home Equity Lines of Credit?

HELOCs include a draw period followed by a repayment period. During the draw period, borrowers can access funds as needed up to the credit limit.

KeyPoint CU Home Equity Lines of Credit offers home equity loans with a maximum term of 20 years and a draw period of up to 10 years.

Is there a minimum draw requirement?

No, there is no minimum draw requirement.

What fees does KeyPoint CU Home Equity Lines of Credit charge for a HELOC?

KeyPoint CU Home Equity Lines of Credit may charge an origination fee.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

2805 Bowers Ave

Santa Clara, CA 95051

(888) 255-3637

Visit Site

Email Support

Hours of Operation

Sunday

9:00AM - 5:00PM

Monday

9:00AM - 5:00PM

Tuesday

9:00AM - 5:00PM

Wednesday

10:00AM - 5:00PM

Thursday

9:00AM - 6:00PM

Friday

9:30AM - 2:00PM

Saturday

9:30AM - 2:00PM

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SuperMoney Net Recommendation Score

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-1000+100

No one recommends

Everyone recommends

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