The Point West Credit Union is a home equity line of credit from Point West Credit Union. The annual fee is No annual fee. 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%); fixed. Typical credit limit: Loans available for up to $250,000. Loan terms: Open, revolving line of credit for the first 2 years; amortized over a 10 year repayment period after the 2 year draw period.