Loan Rates

*APR=Annual Percentage Rate. Credit qualifications and approval are required. Rate may vary based on the term, loan amount, your credit history, and other factors. Rates shown reflect a 0.25% discount for direct deposit/payroll deduction of loan payments. Vehicles older than 10 model years or with more than 100,000 miles are subject to approval and if approved, the rate is 2.00% above your qualifying rate. Rates, terms, and conditions are subject to change without notice. Maximum term is based on the amount borrowed. Other terms may be available. Excludes current Point Breeze loans.

*APR=Annual Percentage Rate. Credit qualifications and approval are required. Rate may vary based on the term, loan amount, your credit history, and other factors. Rates shown reflect a 0.25% discount available for direct deposit/payroll deduction of loan payments. Boats/RVs older than 10 model years and Motorcycles older than 5 model years are subject to approval and if approved, the rate is 2.00% above your qualifying rate. Street legal motorcycles only; dirt bikes do not qualify. Rates, terms, and conditions are subject to change without notice. Maximum term is based on the amount borrowed. Other terms may be available. Excludes current Point Breeze loans.

*APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rates shown are the lowest rates available for loans up to $766,500. Actual rate may vary based on the term, loan amount or other factors. Jumbo mortgages are also available. Payment examples shown do not include taxes or insurance, if applicable. Minimum down payment is 3-10%. Speak with a representative about closing costs.

*APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms, and conditions are subject to change without notice. Home Equity Loan: Borrow up to 100% Loan-to-Value or $250,000 maximum. Home Equity Line of Credit: The introductory rate of 2.49% APR is fixed for the first 12 months, after which the rate will adjust annually on the anniversary date of the line of credit to the current Prime Rate published in the Wall Street Journal. The floor rate is 3.50% APR and the ceiling is 5.00% APR above the Prime Rate at the time of your application. Minimum loan amount is $7,500. Borrow up to 80% loan-to-value or $250,000 maximum. Standard (principal and interest) or Interest Only HELOCs available. With an Interest Only HELOC, you may choose to pay only the interest on the money you borrow for 10 years from the date the loan is established (“draw period”). For every $1,000 borrowed at 2.49% APR your minimum payment will be $2.05 monthly if you choose to pay only the interest. For every $1,000 borrowed at the current Prime Rate of 8.50% APR your minimum payment will be $6.98 monthly if you choose to pay only the interest. The minimum payment will not repay principal resulting in an increase of your payment at the end of the draw period. If you choose a Standard HELOC, the minimum monthly payment is $100, or $8.99 for every $1,000 borrowed at 2.49% APR, or $13.92 for every $1,000 borrowed at the current Prime Rate of 8.50% APR, whichever is greater. After the 10 year draw period, you can no longer obtain credit advances and must repay the outstanding balance. The length of the repayment period depends on the outstanding balance at the start of the repayment period and may not exceed 10 years. During the repayment period, the minimum monthly payment is established on the first day of the repayment period or change in interest rate in an amount necessary to fully amortize your outstanding balance over 10 years. Application fee of $350 will be refunded after settlement. Closing costs vary and generally range around $1,500 to $1,800 for a $50,000 line of credit. Speak with a representative for more information. Point Breeze membership is required. If you work, worship, are a member of and/or volunteer for an organization located within 20 miles of any Point Breeze location, you and your family are eligible to join. Excludes current Point Breeze loans.

*APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates are subject to change without notice. Rate shown is the lowest rate available. Actual rate may vary based on your credit history. Lowest rate available is the floor rate. Refer to the Visa Credit Card Solicitation Disclosure for more information.

*APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rate shown is the lowest rate available. Actual rate may vary based on the term, loan amount, your credit history and other factors. Other terms may be available.

APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rate shown is the lowest rate available. Actual rate may vary based on the term, loan amount, your credit history and other factors. Other terms may be available.

APR=Annual Percentage Rate. Credit qualifications and approval are required. Rates, terms and conditions are subject to change without notice. Rate shown is the lowest rate available. Actual rate may vary based on the term, loan amount, your credit history and other factors. Other terms may be available. Must meet certain qualifications and funds may be used for home improvements only. Contact us for details.