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Make An Impact

Equity in your home can fund your next upgrade. What's at the top of your list?

Home Equity Loans

Use your home’s equity to fund home improvements, college tuition, major expenses or to consolidate debt with a Home Equity Loan. With a low fixed rate and flexible terms, it's an affordable way to reach your goals.

Put your Arizona home’s equity to work for you. Apply for a Home Equity Loan today and make your plans a reality.

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Home Equity Loan Rates

We're all about transparency for our members. Although rates, terms and conditions are subject to change, see this table for a general guideline when it comes to our lowest rates available by
credit tier.

Home Equity Loan Rates by Credit Score

LTV	60 Month Term	120 Month Term	180* Month Term
≤80% LTV	6.00%	6.25%	6.50%
≤90% LTV	6.25%	6.50%	6.75%
≤100% LTV	6.50%	6.75%	7.00%

Rates are effective as of November 24, 2025

LTV	60 Month Term	120 Month Term	180* Month Term
≤80% LTV	6.25%	6.50%	6.75%
≤90% LTV	6.50%	6.75%	7.00%
≤100% LTV	6.75%	7.00%	7.25%

Rates are effective as of November 24, 2025

LTV	60 Month Term	120 Month Term	180* Month Term
≤80% LTV	6.50%	6.75%	7.00%
≤90% LTV	6.75%	7.00%	7.25%
≤100% LTV	7.00%	7.25%	7.50%

Rates are effective as of November 24, 2025

LTV	60 Month Term	120 Month Term	180* Month Term
≤80% LTV	6.75%	7.00%	7.25%
≤90% LTV	7.00%	7.25%	7.50%

Rates are effective as of November 24, 2025

LTV	60 Month Term	120 Month Term	180* Month Term
≤80% LTV	7.50%	8.25%	9.25%

Rates are effective as of November 24, 2025

LTV is your Loan to Value Ratio, which looks at the amount you're borrowing compared to the value of the collateral. The lower the better!
More info on credit score's five key factors here or log into online banking to check your current score here

Home Equity Loan Promo!²

$500 + No Closing Costs

Ready to get more with your Home Equity Loan? Enjoy a limited time promotion of:

No closing costs for a $50,000+ Home Equity Loan
$250 bonus for a $50,000 - $99,999 Home Equity Loan
$500 bonus for a $100,000+ Home Equity Loan

Access the equity in your home and let us help you with your next adventure!

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Home Equity Loan Features

If your Arizona home is worth more than you owe, you can turn that equity into opportunity. With our Home Equity Loan, you could borrow up to 100% of your home's appraised value!¹

Competitive Rates

Our low rates help keep your monthly payments affordable.¹.

Flexible Terms

Terms from 60 to 180 months¹ allow you to choose a repayment plan that fits your budget.

Potential Tax Benefits

You may be eligible for tax deductions on the loan interest paid.

Endless Possibilities

Use the funds for anything you need, excluding business use.

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Work With A Team You Love

Enjoy full transparency, quick processing and a personal touch from your local credit union.

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Home Equity Loan Details

Affordable financing backed by your home’s equity

Accessing the equity in your Arizona home should be simple and easy, and we've made sure it is. Here's what you can expect with our Home Equity Loans:

Borrow up to 100% of your home's equity: Loan amounts depend on your credit history and your home’s appraised value.¹

Low, fixed interest rates: With a fixed rate, your payments stay consistent each month. Rates are often lower than other borrowing options.¹

Multiple term options: With repayment terms between 60 and 180 months, you can find the option that best fits your budget.

Loan amounts to fit your needs: Based on your credit and available equity, you may qualify to borrow between $15,000 and $350,000.

Flexible use: Funds can be used for nearly any purpose, except business expenses.

No hidden fees: You never have to worry about unexpected charges or other surprises.

No prepayment penalties: Make extra payments or pay off your loan early.

Local Decisions & Personal Service: Enjoy fast loan decisions and support from a team that puts your needs first.

Whatever your goals, a Home Equity Loan can help make them a reality. Apply today and see how easy it is to put your home's equity to work for you.

Already Have A Home Equity Loan?

If you already have a Home Equity Loan with another lender, we make refinancing simple so you can:

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Save Money

If interest rates have decreased or your credit score has improved, a refinance could lower your monthly payment.¹

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Borrow More

You may qualify to access additional funds for a new project or need.

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Adjust Your Term

Shorten or extend your term to make your payments more manageable.

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Enjoy Steady Payments

Switching from a variable rate to a fixed rate gives you predictable monthly payments.

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Home Equity Refinancing

With competitive rates and flexible terms, now could be a great time to refi.

Achieve Your Goals With Home Equity

bathroom remodel

bathroom remodel

Build that dream kitchen, casita or master bath.

Home Improvement

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debt consolidating couple

Take a confident step toward debt payoff.

Debt Consolidation

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swimming-pool

Transform your backyard into an oasis.

Pool Loans

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latin father embracing his daughters

Cover life's big moments and unexpected needs.

Flexible Funding

Home Improvement

A Home Equity Loan is an affordable way to upgrade your Arizona home, both inside and out. You can:

Remodel & Renovate

Give your kitchen, bathroom or any room on your list a fresh new look.

Add Space

Expand your home for family, work or relaxation.

Go Green

Invest in solar panels or other energy-efficient upgrades.

Tackle Repairs

Cover essential home updates like a new roof, driveway or HVAC system.

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Love The Home You Live In

Enjoy your dream home on a dream budget.

Flexible Funding For Major Purchases Or Expenses

Your Arizona home’s equity is one of your most valuable financial assets, and a Home Equity Loan makes it easy to put that value to work. It’s a smart, affordable way to finance major expenses like a wedding, home renovation or college tuition. You can even use it for unexpected costs like medical bills or car repairs, without turning to high-interest credit cards.

Our Home Equity Loan rates in Arizona help you keep more money in your pocket compared to other financing options. Plus, you’ll enjoy fixed monthly payments and flexible terms that make it easy to manage your budget.

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Home Equity Loan Calculator

Estimate your monthly payments with our Home Equity Loan Calculator. You can see how different terms and rates affect your budget to find the best option for your needs.

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Answers To Some Frequently Asked Questions

What is a Home Equity Loan?

With a Home Equity Loan, you borrow a lump sum that is backed by the equity in your home. It offers a fixed interest rate and predictable monthly payments, making it ideal for major expenses, home improvements or debt consolidation.

The interest on a Home Equity Loan may be tax-deductible, as long as the loan is used to buy, build, or substantially improve the home that's used as collateral. It’s also an affordable way to borrow. Personal loans and credit cards typically have higher interest rates. There are no annual fees, and the terms are typically 5 to 30 years, with 20 years being the average.

How is a Home Equity Loan different from a HELOC?

Home Equity Loans in Arizona and Home Equity Lines of Credit (HELOCs) are both flexible financing options that are backed by the equity in your home. They primarily differ in how you receive and repay the money you borrow.

With a Home Equity Loan, you'll receive a lump sum with a fixed interest rate and repay it with monthly payments over a specific term. A HELOC works more like a credit card. You can borrow as needed, repay, and borrow again during the draw period. HELOCs have variable interest rates.

How much can I borrow with a Home Equity Loan?: The amount you can borrow depends on your home's value, your mortgage balance, and your credit profile. With our Home Equity Loans, you may borrow up to 100% LTV. The available loan range is $15,000 to $350,000.

What credit score is needed for a Home Equity Loan?

A minimum Home Equity Loan credit score of 650 is preferred, although lower scores will be considered. A higher score can help you qualify for better rates and terms.1

Your credit score is just one factor that will be reviewed for loan approval and to determine your credit limit. We will also look at your income, employment history, debts and other financial information.

Are there any fees to get a Home Equity Loan?: Unlike many lenders, we don’t charge an origination fee. Other costs — like appraisal and title fees — typically start around $340 and are conveniently included in your loan amount. If you’ve had a recent appraisal, you may be able to use it and avoid additional costs.

What happens if I have a Home Equity Loan and I sell my home?: If you sell your home, your Home Equity Loan must be paid off at the closing. The balance is usually paid from the proceeds of the sale before you receive any remaining funds.

Is it easier to get a Home Equity Loan through a credit union?: Yes, credit unions are member-focused and take a more personal approach to lending. They often have more flexible lending criteria than large banks, which makes it easier to get approved. Credit union Home Equity Loan rates are also typically lower than other borrowing options, like personal loans and credit cards.

What disqualifies you from a Home Equity Loan?: The most common reasons for being disqualified for a credit union Home Equity Loan include not having enough equity, a low credit score, a high debt-to-income ratio or unstable income.

What is the monthly payment on a $50,000 Home Equity Loan?: Your monthly payment for a Home Equity Loan with a credit union depends on the interest rate and term you choose. For example, a $50,000 Home Equity Loan at 7% APR for 15 years would have a monthly payment of about $450. You can use our loan calculator to estimate your payments based on the rate and term you select.

FREE EBOOK

Ultimate Budget Plan

Ultimate Budget Plan to Save You Time and Free Your Money

Make Your Money Work For You!

Start budgeting for your next home improvement project or dream vacation!

Included in the free eBook:

What is a Zero Balance Budget Plan?
Find Your Financial Goals
Before Starting Your Budget Plan
Add Up Net Income
Tally Spending [Expenses] and Categorize
Quick Budget Plan Calculation
How to Make Monthly Budget Plan Adjustments
Mistakes to Avoid

Get your free copy now!

Related Resources

What is Home Equity and Why is Everyone so Fascinated With It?

"What is home equity?" is one of the most frequently asked questions on the topic of home ownership. It's especially worth understanding home equity if you're in the process of buying a house, but that's a conversation for another day.

HELOC vs Home Equity Loan: Advantages of Cashing Out On Your Home

With home values higher than ever before, many folks are looking to fund home improvement projects or other expenses by using the equity in their home. Let's define a few terms and then compare the two most popular home equity-based loans.

Disclosure

^*1APR=Annual Percentage Rate. Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval. Rate shown is for 60 month term. 120 and 180 term loans are also available. Contact us for details. Minimum amount: $15,000 - Maximum amount: $350,000. Property insurance is required and will be verified. No prepayment penalty. An origination fee of $300-$800 will apply based on your total loan amount. Membership is required.

²The promotional incentive is based on new or refinanced home equity loans only. To receive a $500 cash deposit into the member’s Copper State Credit Union primary savings account, the loan amount must be equal to or greater than $100,000. To receive a $250 cash deposit into the member’s Copper State Credit Union primary savings account, the loan amount must be equal to or greater than $50,000. Reﬁnances from Copper State Credit Union are not applicable. Promotion ends December 31, 2025. Restrictions may apply. Offer subject to change without notice. Any earned promotional incentive will be reported to the IRS for tax purposes. Promotional incentive does not apply to Home Equity Lines of Credit (HELOCs)