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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.
1Promotional APR discount applies only to new Home Equity Lines of Credit (HELOCs) with a maximum loan-to-value (LTV) of up to 100%. Members who have closed an existing Credit Union West HELOC in the last 12 months are not eligible to receive the promotional APR on a new HELOC on the same property. The promotional 1.00% APR discount is applied to the standard variable APR and is fixed for the initial 12 months of the term. 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 APR will convert to the variable rate plan as described in the applicable loan documents. The index rate is based on the Prime Rate as published in the Wall Street Journal. Variable interest rates are calculated as the index (Prime Rate as published in the Wall Street Journal) plus a 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. Because this is a variable-rate product, the APR and monthly payment may increase after the promotional period. The rate is variable and may change monthly. 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 property qualifications. Restrictions may apply. Offer subject to change at any time without notice.
2LTV= Loan-to-value.
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