• Home Equity Loan Options
  
• Home Equity Fee Schedule
  
• Member's Choice^TM Borrower Security
  

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 remodeling or improvements, and more. And interest on home equity loans is usually tax-deductible. (Consult your tax adviser about the deductibility of interest.)

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

• Low, variable interest rate with rates starting as low as Prime*
• Up to 75% financing of your home's appraised value, less mortgages, with credit lines up to $1,000,000**
• Interest-only payment option
• 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
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 Arizona Central's Home Equity Loan. You'll enjoy the following benefits:

• Low, fixed interest rate
• Flexible repayment schedules
• Up to 75% financing of your home's appraised value, less mortgages, with loan amounts up to $1,000,000***
• No prepayment penalties

* 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.

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

*** Minimum loan amount of $5,000.

Home Equity Fee Schedule

Document Preparation Flood Certification Recording Title Search Appraisal $50 (Home Equity Line of Credit only) $14 $10 - $16 per instrument Based on loan amount Fees vary by location. Must use an approved vendor.

Safeguard your loan with Member’s Choice Borrower Security, a debt cancellation protection agreement that, depending on the package selected, can cancel the principal and interest (or interest only) portion of your loan payment, up to the agreement maximum, if you become involuntarily unemployed, sick, injured, or in the event of loss of life.

With Member’s Choice Borrower Security, fees are based on a group rate and you only buy enough protection to cover your loan balance. Other benefits include:

• Helps protect your credit rating and collateral
• Simple eligibility requirements
• Fast and easy enrollment
• Immediate enrollment for eligible borrowers
• Convenient—fee is included in your loan payment

Sign up for Member's Choice Borrower Security when signing for your loan.