Remodel. Rebuild. Really.

  • 2.99% introductory APR for 6 months (Variable APR may range from 4.50% to 7.75% based on applicant's credit after introductory period)
  • $10,000 minimum line amount
  • $350,000 maximum line amount
  • Up to 90% combined loan-to-value (CLTV). 
  • Waived closing costs

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All loans 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 March 31, 2016.