Today's Rates

APR = Annual Percentage Rate.

Rates as of December 1, 2025.

Rates and terms are based on applicants’ credit score, debt to income, loan amount, term and combined loan to value (CLTV) and subject to change at any time. The rates disclosed include the Fixed Rate Home Equity Loans Promotion, which is a .50% reduction in our standard posted Second Mortgage Fixed Rate Equity Loan Product rates. To receive the discount, you must qualify for, and become a OneAZ Member, open a OneAZ Checking account, establish a minimum $500 Biweekly or $1,000 monthly direct deposit and set up Auto Pay for the new loan to/from the OneAZ Checking Account. Not all applicants will qualify. Loan payment example: 60 monthly payments of $19.51 per $1,000 borrowed at 6.371% APR.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

APR = Annual Percentage Rate.

Rates as of December 1, 2025.

Rates and terms are based on applicants’ credit score, debt to income, loan amount, term and combined loan to value (CLTV) and subject to change at any time. The rates disclosed include the Fixed Rate Home Equity Loans Promotion, which is a .50% reduction in our standard posted Second Mortgage Fixed Rate Equity Loan Product rates. To receive the discount, you must qualify for, and become a OneAZ Member, open a OneAZ Checking account, establish a minimum $500 Biweekly or $1,000 monthly direct deposit and set up Auto Pay for the new loan to/from the OneAZ Checking Account. Not all applicants will qualify. Loan payment example: 60 monthly payments of $19.74 per $1,000 borrowed at 6.879% APR.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

APR = Annual Percentage Rate.

Rates as of December 1, 2025.

Rates and terms are based on applicants’ credit score, debt to income, loan amount, term and combined loan to value (CLTV) and subject to change at any time. The rates disclosed include the Fixed Rate Home Equity Loans Promotion, which is a .50% reduction in our standard posted Second Mortgage Fixed Rate Equity Loan Product rates. To receive the discount, you must qualify for, and become a OneAZ Member, open a OneAZ Checking account, establish a minimum $500 Biweekly or $1,000 monthly direct deposit and set up Auto Pay for the new loan to/from the OneAZ Checking Account. Not all applicants will qualify. Loan payment example: 60 monthly payments of $19.51 per $1,000 borrowed at 6.371% APR.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

APR = Annual Percentage Rate.

Rates as of December 1, 2025.

Term
Draw Period: 10 years
Repayment Period: Up to 15 years

Rates and terms are based on your credit worthiness, final loan amount and combined loan to value (CLTV). The fully indexed corresponding APR may range from 7.50% to 9.75%. OneAZ may pay third party fees on your behalf, in which case these will be subject to a recapture fee of $500 if loan is paid off and closed within 36 months. No $75 annual inactivity fee with balance and activity. Index (Prime Rate) is published in the Wall Street Journal following an FOMC Announcement as/when applicable or as of the 15th of each month. Variable Rate Provision: To determine the APR, we add a margin to the value of the index and round up to the nearest 0.25%. Floor Rate: 4.50%, Lifetime cap: 18.00%. Min. Payment: You will be required to make payments during draw period (10 years) and repayment period (up to 15 years).

Conditions apply. Rates and terms subject to change at any time.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

APR = Annual Percentage Rate.

Rates as of December 1, 2025.

Term
Draw Period: 10 years
Repayment Period: Up to 15 years

Rates and terms are based on your credit worthiness, final loan amount and combined loan to value (CLTV). The fully indexed corresponding APR may range from 8.00% to 10.25%. OneAZ may pay third party fees on your behalf, in which case these will be subject to a recapture fee of $500 if loan is paid off and closed within 36 months. No $75 annual inactivity fee with balance and activity. Index (Prime Rate) is published in the Wall Street Journal following an FOMC Announcement as/when applicable or as of the 15th of each month. Variable Rate Provision: To determine the APR, we add a margin to the value of the index and round up to the nearest 0.25%. Floor Rate: 4.50%, Lifetime cap: 18.00%. Min. Payment: You will be required to make payments during draw period (10 years) and repayment period (up to 15 years).

Conditions apply. Rates and terms subject to change at any time.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

APR = Annual Percentage Rate.

Rates as of December 1, 2025.

Term
Draw Period: 10 years
Repayment Period: Up to 15 years

Rates and terms are based on your credit worthiness, final loan amount and combined loan to value (CLTV). The fully indexed corresponding APR may range from 8.25% to 10.50%. OneAZ may pay third party fees on your behalf, in which case these will be subject to a recapture fee of $500 if loan is paid off and closed within 36 months. No $75 annual inactivity fee with balance and activity. Index (Prime Rate) is published in the Wall Street Journal following an FOMC Announcement as/when applicable or as of the 15th of each month. Variable Rate Provision: To determine the APR, we add a margin to the value of the index and round up to the nearest 0.25%. Floor Rate: 4.50%, Lifetime cap: 18.00%. Min. Payment: You will be required to make payments during draw period (10 years) and repayment period (up to 15 years).

Conditions apply. Rates and terms subject to change at any time.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.