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Home Equity Line of Credit
Leverage Your Equity
Get 1.00% off your HELOC rate1 for the first 12 months.
A Home Equity Line of Credit (HELOC) gives you flexible access to funds – when and how you need them. Remodel. Pay off high-interest debt. Cover the unexpected.
Leveraging your equity to secure a 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 7.00% APR*
Right now, you’ll get 1.00% off your rate for the first 12 months after opening. You’ve already built the equity. Now it can help you build what’s next.
AMOUNTS UP TO $726,000
NMLS #410357
What can you expect?
Fast Approval
As a member, you could get same-day approvals.
Borrow up to 100% LTV2
Borrow what you need, up to 100% of your home's value.
Flexible Terms
Borrow the money as needed for up to 20 years.
Learn More About a Home Equity Line of Credit
Meet with Us
Schedule an appointment to meet with a member representative at your nearest branch.
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
Low Interest Rates
Enjoy a low, variable interest rate
Quick Access
Access your equity line by check, online or phone
Extensive Line of Credit
Receive between $5,000 and $726,000 in available credit
100% of Home Value
Potential eligibility for a credit line that’s 100% of your home’s value
*APR = Annual Percentage Rate. Actual APR is based on borrower’s credit history, loan terms and credit qualifications.
1The promotional APR discount applies only to new Home Equity Lines of Credit (HELOC) with a maximum loan-to-value (LTV) of up to 100%. Members who have closed an existing Credit Union West HELOC within the last 12 months on the same property are not eligible for this promotion.
A promotional discount of 1.00% will be applied to the standard variable APR for the first 12 months of the term. The APR is variable and may increase or decrease during the promotional period based on changes in the index and margin. The promotional discount will not reduce the APR below the stated floor rate.
On the first calendar day of the 13th month following the loan closing date, the 1.00% promotional discount will expire, and the APR will continue as a variable rate as described in the applicable loan documents. The APR may increase or decrease monthly based on changes in the index and margin. Your monthly payment may vary based on your outstanding balance and changes in the applicable APR.
The index is the Prime Rate as published in The Wall Street Journal. Variable interest rates are calculated as the index plus a margin, with a floor of 4.25% APR and a ceiling of 18.00% APR. Rates are based on LTV, credit qualifications, and performance.
HELOC insured/non-owner-occupied products have a 10-year draw period with a 15-year repayment period. HELOC uninsured/owner-occupied products have a 20-year draw period with a balloon payment at maturity. Certain HELOC products may include a balloon payment.
All loans are subject to credit approval and property qualifications. Restrictions may apply. Program subject to change without notice.
2LTV= Loan-to-value.
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