The Point West Credit Union is a home equity loan from Point West Credit Union. The ongoing APR is As low as 6.00% – 7.25% first lien and 6.50% – 7.75% second lien APR depending on LTV (70%-90%) and term (1-7 or 8-15 years). Typical credit limit: Loans available for up to $250,000. Loan terms: Terms up to 15 years; fixed rate.