Home Equity Loans

Home Equity Loans

If you already own your home, you can make your equity work for you with a Home Equity Loan. Pay for education expenses, consolidate your bills, buy a new car or make improvements to your home – all by using your largest investment – your house! And we handle everything on-site, too, for a streamlined process.

For a limited time, lock in your HELOC rate for a term of 2 years or 5 years. Rates as low as 4.24% APR* for 2 years or 5.74% APR* for 5 years. APR after intro term of 2 or 5 years between 5.24%-18.00% APR*.

*New money loans are eligible for a Special Introductory Annual Percentage Rate (APR) of either 4.24% fixed for two years OR 5.74% fixed for five years from the closing date. A variable APR, currently between 5.24%-18.00%, applies at the end of the introductory period. Up to 90% Loan-to-Value financing for Owner-Occupied primary residences eligible. Existing HELOCs through Arize are ineligible. The minimum draw is $300. Property and Hazard insurance are required; flood insurance may be required. Consult with your tax advisor on possible tax benefits. The borrower is responsible for the closing and appraisal costs, typically from $250 – $500, and additional fees may apply. Arize FCU reserves the right to end this promotional rate at any time. Membership eligibility and savings account with a $5 opening deposit are required. Applications are subject to approval, and certain additional restrictions, terms, and conditions may apply. Don’t hesitate to contact the credit union for further information regarding this promotion. Offer effective 6/1/2022 thru 10/1/2022. Federally insured by the NCUA.

Home Equity Line of Credit

Establish a home equity line of credit (HELOC) to access funds anytime.

  • Variable, competitively low rates for a number of needs
  • Approval and funding in as little as 5 business days
  • Utilize the equity you’ve built in your home as collateral
  • Flexible terms, customized to your situation
  • Local  decision-making and processing
  • Helpful, personalized service throughout the entire process

For a better understanding of Home Equity Lines of Credit, please read: What you should know about Home Equity Lines of Credit and HELOC Disclosures

Home Equity Fixed Term Loan

  • Competitively low rates for a number of needs
  • Utilize the equity you’ve built in your home as collateral
  • Terms available up to 180 months
  • Local decision-making and processing
  • Helpful, personalized service throughout the entire process

NMLS #648706