Home Equity Line of Credit
6-Month 4.99% 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
(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. See more details)
Apply for a loan online using the links below!
Apply by Phone
Call our Virtual Team and get set up!
Schedule an appointment with a loan officer.
Debt Consolidation Calculator
Should you consolidate your debt with a home equity loan?
“As longtime OneAZ members, we have found our home when it comes to banking. OneAZ Credit Union knows us, they know our kids, and they are a part of our community.
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APR = Annual Percentage Rate.
Rates as of March 15, 2023.
1 Rates and terms are based on your credit worthiness. Introductory rate valid for 6 months from account opening. The rate after the introductory period may range from 7.75% to 10.50% based on loan amount, CLTV and applicant's credit. The fully indexed corresponding APR may range from 7.75% to 10.50%. OneAZ may pay third party fees on your behalf, in which case these will be subject to a recapture fee of $500 if loan is paid off and closed within 36 months. No $75 annual inactivity fee with balance and activity. Index (Prime Rate) is published in the Wall Street Journal following an FOMC Announcement as/when applicable or 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.
Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.
Calculators are for informational purposes only. All loans are subject to credit and income approval.