Remodel. Rebuild. Really.

  • 2.49% introductory APR1 for 6 months (APR may range from 4.50% to 7.50% 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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Rates as of April 1, 2017 and subject to change. Click here for membership eligibility

Home Equity Line of Credit (HELOC): APR= Annual Percentage Rate. Introductory APR of 2.49% for six months requires OneAZ Premium checking and monthly payroll, pension/social security direct deposit; 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%. Based upon the applicant’s credit, collateral and loan amount the APR may range from 4.50% to 7.50%. 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%; additional supporting documentation as well as income verification is required; subject to continued credit qualifications; Any additional co-applicants added to the loan besides the individual to whom the offer is extended must also meet OneAZ Credit Union credit standards; Applicants must be 18 years of age or older. 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; loan is subject to obtaining acceptable hazard insurance coverage, loan is subject to flood insurance if located in a flood zone, loan is subject to obtaining acceptable title insurance coverage; loan is subject to OneAZ Credit Union obtaining a clear first or second lien against the subject property; title must be held in an acceptable manner to OneAZ Credit Union. If the first lien- holder is with another lender must be a fixed rate first mortgage loan; if first lien holder loan is with OneAZ Credit Union may be fixed rate or Adjustable Rate Mortgage; first lien holder cannot be an interest only; negative amortization or balloon mortgage; first lien holder 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 of $300 if loan is paid off and closed within 36 months. No $75.00 annual inactivity fee with balance and activity.