Home Equity Line of Credit

12-Month 2.79% Introductory 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


Apply Online

Apply for a loan online!

New Members Existing Members


Apply by Phone

Call our eTeam and get set up!


Debt Consolidation Calculator

Should you consolidate your debt with a home equity loan?

Rates as of February 3, 2021.

1 APR = Annual Percentage Rate. Rates and terms are based on your credit worthiness. Introductory rate valid for 12 months from account opening. The rate after the introductory period 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).

Conditions apply. Rates and terms subject to change at any time. In order to qualify for the introductory rate discount, you will need to agree to the following: Open a OneAZ Checking account, establish a monthly $1,000 direct deposit, and set up Auto Pay for the new loan.

Make the switch to OneAZ.

Move your money to OneAZ in three simple steps.

Learn More