Remodel. Rebuild. Really.

  • 2.49% introductory APR1 for 6 months (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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Rates as of November 1, 2017 and subject to change. Click here for membership eligibility

1 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 7.75%. 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%; 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; 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 obtaining a clear first or second lien against the subject property;  title must be held in an acceptable manner to OneAZ. If the first lien is with another lender must be a fixed rate first mortgage loan; if first lien loan 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, however appraisal fees from $450 to $650 may apply in certain circumstances. OneAZ may pay third party fees on your behalf, in which case, these will be subject to an early termination recapture fee of up to $500 if loan is paid off and closed within 36 months. No $75.00 annual inactivity fee with balance and activity. Membership eligibility is required.