Remodel. Rebuild. Really.

  • 2.49% introductory APR for 6 months (Variable APR may range from 4.75% to 7.25% 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

Apply Now

Need more information? Email a HELOC expert by completing this form.

This form is to be used for general information requests only. Do not provide any personal or private information in the message.

Apply Today

Complete and submit your online applications in minutes.

Apply Today

Call Now

Speak with one of our loan professionals (Mon - Fri, 8 a.m. - 6 p.m.).

800.453.9897

Find a Branch

Finance your loan at one of our local branches today.

Find a Branch

 

Calculate your monthly HELOC payment using the free calculator below.


This offer is subject to credit qualification, including verification of income, employment status, current debt obligations and other factors indicating your ability to repay the loan offered. Additional documentation will be required. Rates as of July 1, 2018 and subject to change without notice. Click here for membership eligibility

1 Home Equity Line of Credit (HELOC): 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 2.49% for six months requires OneAZ checking account; Terms and Conditions: Loan amounts up to $350,000 but not less than $10,000; $10,000 Initial Minimum Draw is required. 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; If the first lien is with another lender must be a fixed rate first mortgage loan; if first lien is with OneAZ, 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 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.