OneAZ Credit Union

Your OneAZ Home Equity Line of Credit.

Home Equity Line of Credit (HELOC)

What’s next?

  • If you requested HELOC checks at closing, they will be delivered by mail in 1-2 weeks
  • Sign into Online Banking to access your account
  • Download the OneAZ Mobile Banking app so you can manage your accounts on the go.

A few important notes about your HELOC:

  • You may access your line of credit to borrow money through your Online or Mobile Banking account, in-person at a branch, or over the phone.
  • You can make payments through Online Banking, by mail, or in-person at one of our branches. We encourage the use of ACH autopay, so you never have to worry about missing a payment.
  • OneAZ must be notified of any changes in your homeowner’s insurance policy for the duration of the HELOC.

OneAZ Mobile Banking app - Spending Analysis
Data rates apply.

Next Level Banking

Now your bank is as mobile as you are.

  • Set Travel Notices
  • Card Controls
  • Financial Goal Setting
  • Seamless on All Devices
  • Alerts
  • Check Ordering
Compatible with:
Compatible with Apple Pay, Google Pay, Samsung Pay


You have the option to receive eStatements or paper statements. If you are not enrolled in Online and Mobile Banking, you will default to paper statements.

Once you are enrolled in Online and Mobile Banking, click on the three dots in the blue navigation bar and select Documents and Statements. Select Register and let us know if this is for a Personal Account or a Business Account.

Complete the required fields and select Next. Review the Consent to Electronic Documents and select the checkbox to confirm you have read and agree to the terms outlined. Then select Finish. This will complete your eStatement enrollment.

To turn eStatements off, click on the three dots in the navigation bar, select Documents and Statements, select Settings. From here, you can select the Discontinue box and click Submit.

It’s easy to open additional accounts at OneAZ! You can apply for an account online, call our Virtual Team at 800.453.9897 or schedule an appointment at your local OneAZ branch.

We encourage the use of ACH autopay from your OneAZ or external bank account. You can also mail in your payments, pay in-person at a OneAZ branch location, or pay online or through our mobile app using OneAZ Online Banking.

To enroll in automatic payments for your HELOC:

  1. Sign into your Online Banking account on desktop or mobile
  2. Select “Transfers” in the dark blue ribbon. Then select “New Transfer”
  3. If using an external bank account, first add that account in the “Make a Transfer” option.
  4. Once your external account is linked, you can schedule automatic transfer payments.

For more information on linking an external account or completing a transfer, please visit our FAQ site. These topics and others may also be searched using the Search Bar within Online and Mobile Banking.

Sign up for Online Banking and download our easy-to-use mobile app to manage your HELOC wherever and whenever. With our Online Banking platform you will be able to draw from your line of credit, view your balance, make payments, and live chat with OneAZ if you need help.

A HELOC’s draw period is the amount of time you can draw money against your line of credit. OneAZ has a 10-year draw period for HELOCs. You can draw money at any time during the draw period, up to your total credit limit. During the draw period you are required to make payments based on the amount you have borrowed plus interest.

The 15-year repayment period follows the initial draw period and is the time in which you are required to pay principal and interest payments towards your balance for the remainder of the loan period. During the repayment period, you are no longer allowed to draw against your line of credit.

Your HELOC payments are calculated using simple Interest. Simple interest means the interest is calculated on your balance daily, so it will vary depending on the number of days in the month. Because a HELOC is a revolving line of credit, the payment will depend on how much you have borrowed at a given time plus daily interest charges.

OneAZ must be promptly notified of any changes in your homeowner’s insurance. You are required to maintain a homeowner’s insurance policy for the duration of your HELOC.

We Can Help

Our team of experts is standing by to help you achieve your financial goals.

To open a new account, apply for a loan or get answers to your questions, contact our Virtual Team or make an appointment at your local OneAZ branch today.

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Log in and click on the Chat icon in the top navigation.

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Find a Branch


Stop by one of our branches today!

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Visit a Branch

Visit one of our 20 branches across Arizona to open a new account, apply for a loan or credit card, and more. We recommend scheduling an appointment prior to your visit!

Schedule an Appointment

Find an ATM

With your OneAZ Visa® Debit Card, you have access to 470 CULIANCE Network ATMs in Arizona and 41,343 across the nation.

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Why Choose OneAZ?

At OneAZ, our mission is to truly improve the lives of our members, our associates and the communities we serve. By becoming a member, you’re joining a credit union that cares about your future – we are here to help you achieve your financial goals. We put you first by providing you with competitive rates, low fees and the personalized service you deserve.

  • You’re a Member, not a number. Your membership is your ownership stake in OneAZ Credit Union. That means we’re accountable to you, not investors or stockholders. You have a voice in how your credit union operates and get to vote for our Board of Directors.
  • Our profits are your savings. As a not-for-profit, we return our earnings to you in the form of lower interest rates, lower fees and better banking technology. Our team only cares about providing you with products and services that will benefit your financial well-being.
  • We keep it local. Banking at a local credit union like OneAZ keeps your money in Arizona. We’re committed to strengthening Arizona’s economy by providing affordable home and auto loans, empowering local entrepreneurs and small businesses, and supporting our members as they achieve their financial goals.
  • We invest in your community. We build stronger communities by providing support to nonprofits working in neighborhoods where our members live and work. The OneAZ Community Foundation uplifts the lives of Arizonans in need by awarding dozens of grants each year to local organizations across the state.

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