You may borrow from a Home Equity Line of Credit (HELOC) for either 5 or 10 years, known as the draw period, as long as you own your home. After the draw period expires, the repayment period begins.

Promotional Features:

  • Pay no origination fees, points, application fees, or closing costs.2 Plus, your interest may be tax deductible.4
  • Appraisal fee reimbursed at closing
  • Get $250 cash back at closing deposited into your Regular Share Account

Other Features:

  • Property must be located in Arizona
  • Credit lines from $10,000
  • Available as an overdraft protection source
  • Access funds at any branch through loan drafts (checks) or with a Home Equity Visa® Card
  • Transfer funds via PhoneBank, Online Banking or Mobile App


Annual Percentage Rate (APR)

4.25% – 9.75% Variable3

Last updated August 1, 2020

Credit Builder HELOC

Help build back your credit with a HELOC that can be linked as overdraft protection and has a revolving credit limit that, as paid back, is available to reuse. Enjoy a 5 year draw period and a 10 year payback period and cash advances with a teller.

Standard 10/10 HELOC

A home equity line of credit from $10,000 to $650,000 for a primary residence or second home. Draw from the account for 10 years with a 10 year payback period.

Standard 10/20 HELOC

Take more time to pay your credit off with a 20 year payback period. You’ll still have the same 10 years to draw from the line of credit. Get a line of credit between $10,000 and $650,000 for your primary residence or second home.

Investment HELOC

Take equity out of your Arizona investment or rental properties with a 10 year draw period and a 10 year payback period. You can use as overdraft protection and get cash advances from a teller. Get a line of credit from $10,000 to $450,000.


All loans subject to approval. $50.00 annual fee. Rate based on creditworthiness, loan product, term of loan and CLTV. Certain restrictions and fees may apply. Rates are variable and subject to change. Property insurance is required. Mortgage options subject to change without notice. NMLS# 485751 Offer valid Feb. 1, 2019 – Dec. 31, 2020. 1Borrower is responsible for the appraisal up front and Vantage West Credit Union will reimburse the appraisal fee upon the mortgage loan funding or closing with Vantage West. In addition, you will receive a $250.00 cash bonus that will be deposited to your Regular Share Account at the time your loan is funded. You must maintain a minimum balance on your Home Equity Line of Credit of $15,000.00 for 12 months. In the event the loan balance falls below $15,000.00 at any point within 12 months of the open date, the appraisal fee and the $250.00 bonus, will be applied to your loan as a fee. Please note that your loan must fund in order to be eligible for the appraisal reimbursement and the $250.00 cash bonus. 2Loan must remain open for a minimum of 2 years to avoid repayment of origination fees. 3Variable rate maximum: 17.99%. 4Consult a tax advisor for tax deductibility guidelines.