We’re super handy. (With financing, at least.)

Life happens. A HELOC ensures 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.

Your HELOC can help you: 

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

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If you've already started an application you can click the link below to complete or submit it, as well as view important documents. 

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Debt Consolidation Calculator

Should you consolidate your debt with a home equity loan?

4 APR = Annual Percentage Rate. The 1.90% APR is a promotional, introductory rate for a period of (6) months. The promotional rate is 1.90% based on applicant’s credit. This is a variable APR and may range from 4.530% to 7.08% based on applicant’s credit after introductory period. All loans subject to credit approval. Appraisal costs my apply. Terms and conditions apply. See conditions of offer below. Income verification required and total monthly debt-to-income ratio (i.e. total monthly debt payments divided by your monthly gross income) cannot exceed 43%. Not all applicants will qualify for the lowest interest rate offered. OneAZ may pay third party fees on your behalf, in which case, these will be subject to recapture if loan is paid off and closed within 36 months. No $75.00 annual inactivity fee with balance and activity.

Conditions of Offer:
-Introductory rate of 1.90% APR for 6 months with a OneAZ checking account and direct deposit or an existing or new Premier Member Perks package.
-Existing OneAZ Credit Union HELOC loans not eligible.
-Subject to continued credit qualification.
-Rates are effective June 15, 2016 and may be changed based on market conditions and borrower eligibility.
-Loan/line interest floor rate of 4.50% and interest rate cap of 18.00%.
-Minimum loan/line amount is $10,000.00. Maximum loan/line amount is $350,000.00 based on combined loan-to-value (CLTV).
-Initial draw minimum of $10,000.
-Up to 90% combined loan-to-value (maximum).
-In certain instances a full appraisal may be necessary.
-Subject property must be primary residence.
-Subject property must be an existing one unit, residential dwelling that is acceptable collateral to OneAZ Credit Union. Properties in condominium units must be in a condominium project acceptable to OneAZ Credit Union.
-Subject to obtaining acceptable hazard insurance coverage and flood insurance coverage if property is located in a flood zone.
-Subject to obtaining acceptable title insurance coverage.
-Title must be held in acceptable manner to OneAZ Credit Union.
-Subject to OneAZ Credit Union obtaining a clear first or second lien against the property.
-Any co-applicants added to the loan, in addition to the individual to whom the offer is extended, must meet OneAZ Credit Union credit requirements.
-Any non OneAZ Credit Union 1st Lien Holder loans cannot be Adjustable Rate Mortgages (ARMs).
-Existing 1st Lien cannot be another HELOC or Interest Only Mortgage.
-Applicants must be at least 18 years of age.