Arizona Central Credit Union

Home Equity Loans

Your best source of credit may be closer than you realize. The equity you've built in your home can help you at every stage of life – for major purchases, a new car, college tuition, debt consolidation, home improvements and more. And interest on home equity loans is usually tax-deductible. (Consult your tax adviser.)

Arizona Central Credit Union has two Home Equity options available for primary residences (owner-occupied) in Arizona, so you can choose the one that's perfect for you.

Home Equity Line of Credit Apply for your Arizona Home Loan

The Home Equity Line of Credit offers you the following advantages:

  • Low, variable interest rate1
  • Up to 85% financing of your home's appraised value, less outstanding mortgages2
  • Interest-only payment option for added flexibility and lower monthly payments
  • No prepayment penalties
  • Easy access to your line of credit with personalized checks or electronic transfers made online or by phone

As you repay your balance, your credit line is available again for future use. It's the perfect way to be sure you'll have cash on hand for things like home improvements, educational expenses or a special vacation.

Home Equity Loan Apply for your Arizona Home Loan

If you prefer a fixed rate and term and have a specific project in mind – such as building a new pool, purchasing a boat or RV, or consolidating high-interest debt – choose a Home Equity Loan.

  • Low, fixed interest rate
  • Flexible repayment schedules
  • Up to 85% financing of your home's appraised value, less outstanding mortgages3
  • No prepayment penalties
  • Debt cancellation protection available to safeguard your credit rating and collateral

As your local hometown lender, we've been serving families like yours since 1939, with more than 60,000 members across Arizona, including Phoenix, Scottsdale, Tucson, Glendale, Chandler, Tempe, Flagstaff and Show Low.

  • Arizona Branches
  • Online
  • By Phone

How Do I Get Started?

Stop by any one of our branch locations to complete a loan application. Income verification may be required. If you're applying with a co-borrower, he/she will need to sign the application as well.

How Do I Get Started?

If you prefer to apply from the privacy and convenience of your home or office, complete our HELOC Online Loan Application or our Home Equity Loan Online Loan Application . In many cases we are able to provide an instant decision.

How Do I Get Started?

Apply by phone 24 hours a day, seven days a week, 365 days a year. Call (602) 264-6421 or toll free 1-866-264-6421.

1 Rate based on Prime as published in The Wall Street Journal. Your rate will be determined based on your credit history and loan to value. Rate is variable and may change monthly. Maximum APR is 18% or the maximum permitted by law, whichever is less.

2 Minimum credit advance is $5,000 for the first advance and $500 for each subsequent advance.

3 Minimum loan amount of $5,000.


Since 1939 we've been providing Arizona families with friendly, hometown service and convenient, affordable financial solutions. As a member-owned credit union we provide personalized checking, savings, mortgages, and business and personal loans to communities across Arizona, including Phoenix, Tucson, Tempe, Chandler, Glendale, Show Low, and Flagstaff. Arizona Central Credit Union is here to help you achieve financial success for every stage of life.
From Arizona: (602) 264-6421 1-866-264-6421 ABA Routing Number: 322172441

We do business in accordance with the Equal Credit Opportunity Act.

Local First Arizona NCUA Equal Housing Lender