It’s Your Home, Make It Work For You
HOME EQUITY LOANS turn value into opportunity
You’ve Earned Borrowing Power
Competitive HOME EQUITY LOAN RATES in arizona
A Home Equity Line of Credit (HELOC) lets homeowners leverage the equity in their home, up to 90% for qualified borrowers. It’s a great way to fund your home improvement projects, consolidate debt, pay for educational expenses, or any other need.
For example, if your home is worth $400,000 and has a remaining $100,000 mortgage, there is $300,000 in built-up equity. A HELOC can provide access to funds up to $270,000 (90% x $300,000).
APR as low as 7.25%1
How It Works
With a generous 10-year draw period and the choice of a 10 or 20-year payback period, a Vantage West HELOC empowers you to leverage your home’s equity on your terms.
- Property must be located in Arizona
- Credit lines from $10,000
- Interest only payment options available
- Transfer funds into any account via Phone, Online Banking or Mobile App
Two Great Choices for HELOC
Standard 10/10 HELOC
Standard 10/20 HELOC
Did You Know?
Explore the benefits to membership with us
You can manage your savings from anywhere.
Your money stays close to home.
We invest in Arizona communities, not Wall Street.
We offer better rates than most banks.
Being a member comes with perks.
From insurance discounts to loan rate savings: your membership helps you do more with your money.
Looking for something else? Explore Home Loan services.
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Disclosures
All loans are subject to credit approval. Rates and terms are based on Loan to Value (LTV) and creditworthiness. Minimum credit line of $10,000. Property used for collateral must be located in the State of Arizona. Certain restrictions and fees may apply. $50.00 annual fee. Property insurance is required. Closing costs are covered for credit lines up to $100,000. Loan must remain open for a minimum of two (2) years to avoid repayment of origination fees and closing costs. Additional restrictions and qualifications may apply. Consult a tax advisor for tax deductibility guidelines. Loan options subject to change without notice. Membership required. NMLS# 485751
For terms and conditions, see the Truth-In-Lending Terms. Also see the Truth-In-Lending Disclosure.
1Current Annual Percentage Rates are from 7.25% to 9.75%. Rates are variable and are subject to change. Variable rate maximum: 17.95% APR. Rates are based on Prime Rate and are accurate as of 12/1/2025.