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Credit Union West
Routing Number: 322172153
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Home Equity Line of Credit

Your home’s equity can be used as credit.

Leverage Your Equity

What’s the best type of credit to apply for? It depends on its purpose and how much you need, but often the best route can be leveraging your home’s equity.

Leveraging your equity to secure a Home Equity Line of Credit (HELOC) can help you keep your interest rate low and provide you access to credit when you need it. Plus, you can extend your payment term over a longer period of time.

Rates as low as 8.75% APR1

AMOUNTS UP TO $726,000

NMLS #410357

What can you expect?

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Fast Approval

As a member, you could get same-day approvals.

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Borrow up to 100% LTV2

Borrow what you need, up to 100% of your home's value.

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Flexible Terms

Borrow the money as needed for up to 20 years.

don't just listen to us

See What Others Have To Say



“Friendly, helpful staff.  Rates and loan processes were fantastic.”
- Miguel



“Liz was very communicative and kept us informed the whole way of what we needed to do and anything we needed to provide to CU West to get the loan processed and closed.”
- Jennifer
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Run the numbers

Calculate your potential loan rates.

Open Your Home Equity Line of Credit Today!

Apply Online

Securely apply online in the comfort of your own home.

Meet with Us

Schedule an appointment to meet with a member representative at your nearest branch.

Contact Us

Send us a message to discuss your savings goals and account needs.

Instant Answers

You can get an accurate estimate of what it would cost to refinance your mortgage by contacting us at 602.631.3479 or 800.621.0287 ext. 3479 (outside of Maricopa County)

You can borrow up to 100% of the equity in your home.

You can borrow for up to 20 years with a HELOC.

Additional Perks

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Low Interest Rates

Enjoy a low, variable interest rate
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Quick Access

Access your equity line by check, online or phone
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Extensive Line of Credit

Receive between $5,000 and $726,000 in available credit
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100% of Home Value

Potential eligibility for a credit line that’s 100% of your home’s value
1APR= Annual Percentage Rate. Actual APR based on borrower’s credit history and loan terms. Variable 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.
Tax deductibility:  Please consult a tax advisor regarding the deductibility of interest for home improvements.
Term based on amount financed.  Other restrictions may apply.
2LTV= Loan-to-value.