Lower your monthly home equity loan payment


Schedule your appointment with a Point Breeze Credit Union loan officer today. Call us or complete the form and we'll contact you.



*APR=Annual Percentage Rate. Rate, terms and conditions are subject to change without notice. Actual rate may vary based on term, loan amount, credit history and other factors. 10-year draw, 10-year payback. The APR in effect after the expiration of the introductory rate is based on the value of an index. The index is the Prime Rate and is published in the Wall Street Journal. The introductory rate of .99% APR is for the first 6 months, after which the rate will adjust to the Prime Rate with a floor of 4.25% APR. Thereafter the rate will adjust annually on the anniversary date of the loan to the Prime Rate. Rate ceiling is 9.25% APR. You may pay only the interest on the money you borrow for 10 years from the date the loan is established (draw period). Minimum payment will not repay principal, which will result in your payment increasing at the end of the 10-year draw period. Minimum loan amount is $7,500. Maximum loan amount is 80% loan-to-value or $250,000. We may not extend credit to you if you do not meet Point Breeze Credit Union criteria. Excludes current Point Breeze Credit Union loans. For every $1,000 borrowed at .99% APR your payment will be $0.81 monthly if you choose to pay only the interest. For every $1,000 borrowed at the current rate of 4.25% APR your payment will be $3.49 monthly if you choose to pay only the interest. Consult with your financial advisor about potential tax savings. Please consult with a Point Breeze Credit Union loan officer for more information about the Point Breeze Credit Union Interest Only Home Equity Line of Credit.

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