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Calculate your monthly HELOC payment using the free calculator below.


All rates subject to credit approval. Rates as of March 1, 2018 and subject to change without notice. Click here for membership eligibility

Home Equity Line of Credit (HELOC): APR= Annual Percentage Rate. Variable Rate Product (Wall Street Journal Prime rate plus applicable margin) with a floor rate of 4.50% and a rate cap of 18.00%. Introductory APR of 2.99% for 6 months requires OneAZ Premium checking and monthly payroll, pension/social security direct deposit; Based upon the applicant’s credit, collateral and loan amount the APR may range from 4.50% to 7.75%. Rates are subject to change at any time, and not all applicants will qualify for the lowest APR offered. Terms and Conditions: Loan amounts up to $350,000 but not less than $10,000; maximum loan amount is dependent upon CLTV (combined loan to value) up to 90%; however loans with a CLTV in excess of 80% will have reduced loan limits and additional underwriting criteria; $10,000 Initial Minimum Draw is required. Total monthly debt to income ratio (total monthly debt divided by monthly gross income) cannot exceed 43%; a full application and additional supporting documentation as well as income verification is required; subject to continued credit qualifications; Subject property must be a primary residence located in the state of Arizona; subject property must be a residential dwelling that is acceptable collateral to OneAZ Credit Union; If the first lien is with another lender must be a fixed rate first mortgage loan; if first lien is with OneAZ Credit Union, may be fixed rate or Adjustable Rate Mortgage; first lien cannot be an interest only; negative amortization or balloon mortgage; first lien cannot be another HELOC. Waived closing costs (appraisal costs from $450-$650 may apply in certain instances). OneAZ Credit Union may pay third party fees on your behalf, in which case, these will be subject to a recapture fee up to $500 if loan is paid off and closed within 36 months. No $75.00 annual inactivity fee with balance and activity. Promotional rate expires June 30, 2018.