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Credit Union West
Routing Number: 322172153
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Tap Into Your Home Equity

Financing options to re-imagine your home.

Use Your Home's Equity to Make Your Dream Home a Reality


When you purchased your home, you probably had a dream of making it your own. Maybe those dreams start with a fresh coat of paint and new fixtures. Perhaps, your sights were set on something bigger like a new pool, room remodel, or home addition. Whatever your vision, tapping into your home's equity can help you finance the projects you've been so eager to start.

So, what is equity? Home equity is the difference between what you owe on your home mortgage and what your home is currently worth. It allows you to keep your existing mortgage and get the cash you need. At Credit Union West, we offer two types of home equity lending options:
A home equity loan lets you borrow a lump sum, secured by the equity in your home. It comes with a fixed interest rate and monthly payment that never changes for the life of the loan. Don't have enough equity in your home to fund your project? That's not a problem. You can borrow up to 133% loan-to-value of your property with a home equity loan.3

A HELOC is a revolving line of credit with an adjustable rate, secured by the equity in your home. You only borrow what you need, allowing for repeat use of your equity with interest charged against the amount you borrow.  A HELOC is for home-owners that prefer a lower monthly payment and the ability to borrow funds as they go.


Start tackling your projects

With a Home Equity Loan or HELOC

Options APR1 Terms5 Amounts Apply
Home Equity Loan 3.75 % - 10.25%  Up to 240 months Based on Equity, up to 133% CLTV2 3
Home Equity Line of Credit 4.25% - 10.25% Revolving Based on Equity, up to 100% CLTV2 4





1Annual Percentage Rate. Actual APR based upon many factors evaluated at the time of application, which may include, among other factors, borrower’s credit history, loan terms, and any applicable administrative/processing fees. All loans are subject to credit review and approval.
2CLTV stands for combined loan-to-value
3 Home Improvement loans available with LTVs (Loan-to-Value) of 80.01%-133%. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for Federal income tax purposes. Please consult a tax advisor for further information regarding the deductibility of interest and charges. Available for owner and non-owner occupied residences. 
4Variable interest rates calculated by index (prime rate as published in Wall Street Journal) + margin with a floor of 4.25% APR and a ceiling of 18.00% APR. Rates are based on loan-to-value (LTV), credit qualifications, and performance. HELOC insured/owner occupied product has a 10 year draw period with a 15 year repayment period. HELOC uninsured/non-owner occupied product has a 20 year draw period with a balloon payment. Rate is variable and may change monthly. 
5Term based on amount financed. Other restrictions apply.





In 2020, the Credit Union West Employees CARE program fed healthcare heroes and donated to local charities.


The IRS and U.S. Treasury are now delivering a second round of government stimulus payments.


We will award five Arizona high school seniors a $1,000 scholarship, two reserved for JROTC students.