HELOC rates as low as 4.50% APR1

Life happens. Use your home's equity to ensure you are prepared for all of life’s moments. We make the application process fast and easy. Put your home’s equity to work with an affordable HELOC or home equity loan.

Your loan can help you:

  • Consolidate Debt
  • Remodel your home
  • Pay for unexpected expenses


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Home Equity Line of Credit Loans (HELOCs) are being offered at this time. However, Home Equity Fixed Rate Loans remain suspended until further notice.

Debt Consolidation Calculator

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Rates as of October 1, 2020.

1 APR = Annual Percentage Rate. Rates and terms are based on your credit worthiness. The initial rate may range from 4.50% to 5.50% based on loan amount, CLTV and applicant's credit. The fully indexed corresponding APR may range from 4.50% to 5.50% OneAZ may pay third party fees on your behalf, in which case these will be subject to recapture if loan is paid off or closed within 36 months. No $75 annual inactivity fee with balance and activity. Index (Prime Rate) is published in the Wall Street Journal 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).