NMLS#
403944
About
OnPoint Community Credit Union
OnPoint Community Credit Union is a real estate lending company committed to providing reliable financial services to the community. With a focus on building strong relationships, we strive to meet the diverse needs of our members. Our knowledgeable team assists individuals and families in securing loans for various real estate properties, including residential homes, investment properties, and vacation homes. We offer competitive interest rates, flexible repayment options, and personalized assistance throughout the loan process. At OnPoint, we prioritize transparency and aim to educate our members about the intricacies of real estate lending. Whether you are a first-time homebuyer or an experienced investor, our dedicated professionals are here to guide you through every step of your real estate financing journey. Trust OnPoint Community Credit Union as your reliable partner in achieving your real estate goals.
Loan programs at
OnPoint Community Credit Union
OnPoint Community Credit Union offers a variety of loan programs to help meet the financial needs of their customers. Here are some of the loan programs they provide:
1. Home Loans:
- Fixed-rate mortgages: Offers stability with a consistent interest rate for the life of the loan.
- Adjustable-rate mortgages (ARMs): Provides flexibility with an initial fixed rate period, followed by rate adjustments.
- Jumbo loans: Supports financing for higher-cost properties that exceed conventional loan limits.
- FHA loans: Assists in purchasing a home with a lower down payment and more flexible credit requirements.
- VA loans: Serves active-duty military members, veterans, and eligible surviving spouses with favorable terms.
2. Auto Loans:
- Purchase loans: Allows borrowers to finance a new or used vehicle.
- Refinance loans: Helps borrowers save money by refinancing an existing auto loan from another lender with OnPoint.
- First-Time Auto Buyer loans: Assists individuals with limited or no credit history in buying their first car.
3. Personal Loans:
- Signature loans: Provides funds based on a borrower's creditworthiness without requiring collateral.
- Line of credit: Offers a revolving credit line for added financial flexibility, allowing borrowers to use funds as needed.
4. Home Equity Loans and Lines of Credit:
- Home Equity Line of Credit (HELOC): Enables homeowners to access funds throughout the draw period for various expenses.
- Fixed-rate Home Equity Loan: Provides a lump sum loan amount at a fixed interest rate, ideal for specific projects.
5. Credit Cards:
- Rewards credit cards: Offers reward points or cashback options for everyday purchases.
- Low-rate credit cards: Provides a lower interest rate for those who carry a balance month-to-month.
6. Student Loans:
- Private Student Loans: Assists students in covering education-related expenses not met by scholarships, grants, or federal loans.
- Student Loan Refinance: Helps borrowers simplify student loan repayment with potentially lower interest rates.
Please note that specific eligibility requirements, rates, and terms may apply to each loan program.