Waypoint Home Equity Loans
The equity in your home can fund a renovation, consolidate what you owe, or lower your mortgage payment. Four ways to put it to work, all decided locally.
Put Your Home Equity to Work
A fixed-rate loan gives you one predictable payment. A line of credit lets you draw as you go. Smart HELOC opens with a fixed introductory rate. A Renovation Loan refinances your mortgage and rolls in the cost of the work.
Fixed Rate Home Equity
Borrow against the equity you have built, at a rate that stays the same for the whole term.
Explore Fixed Rate
HELOC
A line of credit secured by your home. Draw what you need, when you need it, and repay as you go.
Explore HELOC
Smart HELOC
A HELOC that opens with a fixed introductory rate, so your first payments are predictable.
Explore Smart HELOC
Renovation Loans
Refinance your mortgage and roll in renovation funds, sized against your home's after-improved value.
Explore Renovation LoansRates change. See Current Rates for today’s figures.
Current Rates
Smart HELOC
As low as
4.99%APR²
Fixed Rate Home Equity
As low as
5.74%APR²
HELOC
As low as
6.25%APR²
Land Loans
As low as
7.00%APR²
APR = Annual Percentage Rate. Rates effective 16 September 2026 and subject to change without notice. Your APR may differ based on credit history, term, and loan to value. Not all applicants will qualify for the lowest rate. Equal Housing Lender. NMLS #404962.
Apply for a Home Equity LoanView all home equity rates and terms
| Loan Type | Rate As Low As | APR | Maximum Term (Months) |
|---|---|---|---|
| Fixed Rate Home Equity | 5.74% | 5.740% | 60 |
| Fixed Rate Home Equity | 5.99% | 5.990% | 84 |
| Fixed Rate Home Equity | 5.99% | 5.990% | 120 |
| Fixed Rate Home Equity | 6.25% | 6.250% | 180 |
| Fixed Rate Home Equity | 6.50% | 6.500% | 240 |
| Smart HELOC (6-month introductory rate) | 4.99% | 4.990% | 120 or 180 |
| Smart HELOC (12-month introductory rate) | 5.49% | 5.490% | 120 or 180 |
| Smart HELOC (24-month introductory rate) | 5.99% | 5.990% | 120 or 180 |
| HELOC | 6.25% | 6.250% | 120 or 180 |
| Land Loans | 7.00% to 9.00% | 7.258% to 9.091% | 60 to 240 |
Not sure which one fits? Ask a Waypoint Credit Union representative for additional details.
Local decisions. Local servicing.
A Waypoint lender will look at what you are trying to do and tell you which option costs you least, including ones we do not advertise heavily. Book a time at any branch, or start online.
Important Disclosures
Equal Housing Lender. NMLS #404962.
APR = Annual Percentage Rate. Rates are accurate as of 16 September 2026 and are subject to change without notice. Your APR may differ based on credit history, credit worthiness, collateral year, term of loan, loan to value, and fees that may constitute finance charges. Not all applicants will qualify for the lowest rate. Your actual APR will be included in the initial Truth in Lending disclosure.
Land loan rates range from 7.00% to 9.00%, with an APR of 7.258% to 9.091%, over terms of 60 to 240 months.