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1.25% rate discount1Fixed home equity loans

Lock in your interest rate for the life of the loan

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 with an affordable second mortgage loan.

Your loan can help you:

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

(Conditions apply. Rates and terms subject to change at any time. In order to qualify for the 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. See more details)

Home equity fixed rate vs. home equity line of credit: What's the difference?

When you take out a home renovation loan, you can choose a revolving line of credit or a fixed rate loan for a specified term length. A fixed-rate home equity loan is great for helping you budget, since you'll have predictable monthly payments for the life of your loan. But if you need flexibility and plan to use the funds periodically over time, a HELOC could be a better option.

Fixed Rate Home Equity Loan Home Equity Line of Credit
Interest rate structure
Lock in your rate
Variable Interest rate
Montly Payments
Access to
Receive lump sum upfront
Borrow as needed
Repayment Terms
Mountly payment over a 5-, 10-, or 15-year term
Interest-only payment during draw period, then pay interest + principal
Interest Costs
You know exactly how much you'll pay
Overall borrowing costs may increase if rates rise.

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Apply Online

Apply for a loan online using the links below!

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Apply by Phone

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Schedule an appointment with a loan officer.


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Debt Consolidation Calculator

Should you consolidate your debt with a home equity loan?

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Make the switch to OneAZ.

Move your money to OneAZ in three simple steps.

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Rates as of October 1, 2023.

1APR = Annual Percentage Rate. Rates and terms are based on your creditworthiness, income, and collateral. The 1.25% Rate Discount is from the standard posted interest rates for the OneAZ Equity Fixed Rate Second Mortgage Loan Products. Additionally, the discount/reduction is valid for the full duration of the loan term. The interest rate (with promotional discount) may range from 7.138% to 9.041%. The Interest Rate is based on the term/length of the loan, borrowers FICO Credit Score, Combined Loan To Value (CLTV) and Loan Amount. Borrower is under no obligation to accept the Promotional Discount/Reduction and may instead opt to select one of the standard Equity Fixed Second Mortgage Interest Rates as reflected on the OneAZ Website: https://www.oneazcu.com/about/resources/todaysrates/

Terms & Conditions apply. Rates and terms are subject to change at any time. In order to qualify for the 1.25% rate discount, you will need to agree to the following: 1) Establish membership, open a NEW checking account AND 2) Set up recurring monthly direct deposit of $1000 or more within 60 days of account opening.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes, Townhouses.

Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial. 

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