1.25% rate discount1Fixed rate 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 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
  • Fixed
  • Varies
Access to
  • Receive lump sum upfront
  • Borrow as needed
Repayment Terms
  • Monthly payment over a 5-, 10-, or 15-year term
  • Monthly payments calculated based on current balance and a 25-year amortization.
Interest Costs
  • You know exactly how much you'll pay
  • Overall borrowing costs may increase if rates raise.

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Rates as of March 1, 2024.

1The 1.25% Rate Discount is from the standard posted interest rates for the OneAZ Second Mortgage Fixed Rate Equity Loan Products. Additionally, the rate discount is valid for the full duration of the loan term. Conditions apply. Rates and terms are based on your credit worthiness, final loan amount, combined loan to value (CLTV) and are subject to change at any time.

In order to qualify for the interest rate discount, you will need to agree to the following: Become a OneAZ Member, open a OneAZ Checking Account, establish a $500 Biweekly or $1,000 Monthly Direct Deposit and set up Auto Pay for the new loan. The Minimum Monthly Direct Deposit(s) and Auto Pay requirements must both be to/from the OneAZ Checking Account.

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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