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Make An Impact

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

Affordable Home Equity Loans

Use the equity in your house, townhome or condo for home improvements, debt consolidation, a pool or something else.

A better tomorrow begins today! Apply for a home equity loan and see the difference you can make.

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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 July 21, 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 July 21, 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 July 21, 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 July 21, 2025

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

Rates are effective as of July 21, 2025

*APR=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.

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

Is your home worth more than you owe on it? If so, you can tap into that equity with our Home Equity Loan. Borrowers can receive up to 100% of the appraised value of their home!¹

Competitive Rates

Our low Home Equity Loan rates offer you an affordable monthly payment.¹

Flexible Repayment Terms

Fixed rate Home Equity Loans are available with terms from 60 - 180 months.¹

Potential Tax Advantages

Home Equity Loans offer potential tax deductions on interest payments.

Endless Possibilities

Use the funds on anything you can imagine (excluding business purposes).

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Work With A Team You Love

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

Achieve Your Goals With Home Equity

bathroom remodel

bathroom remodel

Build that dream kitchen, casita or master bath.

Home Improvement

debt consolidating couple

debt consolidating couple

Take a confident step toward debt payoff.

Debt Consolidation

swimming-pool

swimming-pool

Transform your backyard into an oasis.

Pool Loans

latin father embracing his daughters

latin father embracing his daughters

Cover life's big moments and unexpected needs.

Flexible Funding

Home Improvement

A home equity loan is one of the most affordable ways to improve your home or backyard.

With a home equity loan, you can:

Remodel & Renovate

Upgrade your kitchen, bathroom or another area you've had your eye on.

Make Space

Add an extra room to your home or build a casita on your property.

Go Green

Invest in solar panels or another environmentally friendly home improvement.

Cover Costs

Pay for hefty replacements 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

Cover Emergencies

Cover unexpected expenses including medical bills, funerals and other unforeseen costs.
Get That Degree

Do you have a couple courses left, or have children heading off to college? The money can cover that too.
Celebrate And Vacay

Pay for a wedding, honeymoon, vacation or other memorable event.
Fund Other Personal Needs

Have a different purpose in mind? We're happy to help you explore your options to fund those needs.

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One Loan For Multiple Goals

You might be able to accomplish more than one goal with a home equity loan. Imagine making home improvements and consolidating debt all under one loan with one payment.

Home Equity Loan Calculator

See how much you can afford. Adjust the rate and loan term to see what works with your budget. Like what you see? Email yourself the results for reference.

Your actual term and payment will be provided upon acceptance of a Copper State CU loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

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Interest Rate (%)

Loan Terms (months)

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Already Have A Home Equity Loan?

For Arizonans who have existing home equity loans at other financial institutions, we offer refinancing options to help you:

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Save Money

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

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Borrow More

Refinancing your current home equity loan allows you to borrow additional funds for a new project or need.

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Adjust Terms

Ready to change the length of your loan? A refi can shorten or extend your repayment terms.

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Feel More Stable

You may be able to switch your rate type from a variable, adjustable rate to a predictable, fixed rate loan.

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Home Equity Refinancing

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

Home Equity Loans Counter Life's Surprises

Life is full of surprises we never could have imagined. Some are amazing, some are not so amazing. Our Home Equity Loan offers comfort in knowing that when these unexpected events come up, Copper State CU is here to help.

We value you, your family and the place we all call home. We are here to help you overcome whatever obstacles stand in your way to financial freedom and we're by your side through every step of your journey.

Member Home Loan

Liliana D.

This is my 5th time getting a loan and it has been the best experience ever.

They've been outstanding on getting everything done in timely manner and keeping me posted all the time.

I have checked the rates at at least 10 other banks and Copper State Credit Union had by far the most competitive rate. Thank you.

Have a Question?

Frequently Asked Questions

What is the difference between a Home Equity Loan and a HELOC?: With a Home Equity Loan, funds are provided in one lump sum with one consistent monthly payment. On the other hand, a HELOC is a revolving source of money in which you withdraw and pay back the funds over time. You also only pay interest and make payments on the balance you owe.

How much can I borrow?: A Home Equity Loan has a minimum loan amount of $15,000 and a maximum loan amount of $350,000. A Home Equity Line of Credit has a limit up to 80% of your home's appraised value with a $350,000 maximum credit limit.

How long does it take to get a Home Equity Loan?: The application for our Home Equity Loan takes about 30 minutes to complete and can be done either over the phone or online. After submission, one of our lending specialists will give you a call to discuss your request and finalize your application. Once preapproved, we will request required documentation such as proof of income and insurance. Next comes the appraisal and title work. The whole process from application to funding takes about 4 weeks.

Are there fees to get a Home Equity Loan?: Unlike many lenders, we do not charge an origination fee. Other fees vary based on appraisal and title needs and start around $340. These fees are wrapped into the loan amount for your convenience. If you've recently obtained an appraisal, you may not need to purchase an additional one.

Is the interest tax deductible?: Interest on Home Equity Loans and HELOCs may be tax deductible. Please consult your tax advisor regarding tax deductibility.

Are Home Equity Loan and HELOC interest rates fixed or variable?: Home Equity Loans have a fixed rate while HELOCs have a variable rate that changes according to the Wall Street Journal prime rate.

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!

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).