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 5.75% – 7.00% first lien and 6.25% – 7.50% second lien APR depending on LTV (70%-90%); based on the Prime Rate and may change monthly. Typical credit limit: Loans available for up to $250,000. Loan terms: Open, revolving line of credit for the first 7 years; amortized over a 15 year repayment period after the 7 year draw period.