Today's Rates

APR = Annual Percentage Rate.

Rates as of April 1, 2025.

Rates and terms are based on your credit worthiness, final loan amount, combined loan to value (CLTV), and loan term. The Fixed Rate Home Equity Loans Promotion is 0.50% Rate Discount off of Posted Rates. The 0.50% Rate Discount is from the standard posted interest rates for the OneAZ Second Mortgage Fixed Rate Equity Loan Products. Additionally, the rate discount is valid for the full duration of the loan term.

Conditions apply. Rates and terms subject to change at any time. In order to qualify for the interest rate discount, you will need to agree to the following: Become a OneAZ Member, open a OneAZ Checking account, establish a $500 Biweekly or $1,000 monthly direct, and set up Auto Pay for the new loan. The Minimum Monthly Direct Deposit(s) and Auto Pay requirements must both be to/from the OneAZ checking account.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

APR = Annual Percentage Rate.

Rates as of April 1, 2025.

Rates and terms are based on your credit worthiness, final loan amount, combined loan to value (CLTV), and loan term. The Fixed Rate Home Equity Loans Promotion is 0.50% Rate Discount off of Posted Rates. The 0.50% Rate Discount is from the standard posted interest rates for the OneAZ Second Mortgage Fixed Rate Equity Loan Products. Additionally, the rate discount is valid for the full duration of the loan term.

Conditions apply. Rates and terms subject to change at any time. In order to qualify for the interest rate discount, you will need to agree to the following: Become a OneAZ Member, open a OneAZ Checking account, establish a $500 Biweekly or $1,000 monthly direct, and set up Auto Pay for the new loan. The Minimum Monthly Direct Deposit(s) and Auto Pay requirements must both be to/from the OneAZ checking account.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

APR = Annual Percentage Rate.

Rates as of April 1, 2025.

Rates and terms are based on your credit worthiness, final loan amount, combined loan to value (CLTV), and loan term. The Fixed Rate Home Equity Loans Promotion is 0.50% Rate Discount off of Posted Rates. The 0.50% Rate Discount is from the standard posted interest rates for the OneAZ Second Mortgage Fixed Rate Equity Loan Products. Additionally, the rate discount is valid for the full duration of the loan term.

Conditions apply. Rates and terms subject to change at any time. In order to qualify for the interest rate discount, you will need to agree to the following: Become a OneAZ Member, open a OneAZ Checking account, establish a $500 Biweekly or $1,000 monthly direct, and set up Auto Pay for the new loan. The Minimum Monthly Direct Deposit(s) and Auto Pay requirements must both be to/from the OneAZ checking account.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

APR = Annual Percentage Rate.

Rates as of April 1, 2025.

Term
Draw Period: 10 years
Repayment Period: Up to 15 years

Rates and terms are based on your credit worthiness, final loan amount and combined loan to value (CLTV). The fully indexed corresponding APR may range from 7.50% to 9.75%. OneAZ may pay third party fees on your behalf, in which case these will be subject to a recapture fee of $500 if loan is paid off and closed within 36 months. No $75 annual inactivity fee with balance and activity. Index (Prime Rate) is published in the Wall Street Journal following an FOMC Announcement as/when applicable or as of the 15th of each month. Variable Rate Provision: To determine the APR, we add a margin to the value of the index and round up to the nearest 0.25%. Floor Rate: 4.50%, Lifetime cap: 18.00%. Min. Payment: You will be required to make payments during draw period (10 years) and repayment period (up to 15 years).

Conditions apply. Rates and terms subject to change at any time.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

APR = Annual Percentage Rate.

Rates as of April 1, 2025.

Term
Draw Period: 10 years
Repayment Period: Up to 15 years

Rates and terms are based on your credit worthiness, final loan amount and combined loan to value (CLTV). The fully indexed corresponding APR may range from 8.00% to 10.25%. OneAZ may pay third party fees on your behalf, in which case these will be subject to a recapture fee of $500 if loan is paid off and closed within 36 months. No $75 annual inactivity fee with balance and activity. Index (Prime Rate) is published in the Wall Street Journal following an FOMC Announcement as/when applicable or as of the 15th of each month. Variable Rate Provision: To determine the APR, we add a margin to the value of the index and round up to the nearest 0.25%. Floor Rate: 4.50%, Lifetime cap: 18.00%. Min. Payment: You will be required to make payments during draw period (10 years) and repayment period (up to 15 years).

Conditions apply. Rates and terms subject to change at any time.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.

APR = Annual Percentage Rate.

Rates as of April 1, 2025.

Term
Draw Period: 10 years
Repayment Period: Up to 15 years

Rates and terms are based on your credit worthiness, final loan amount and combined loan to value (CLTV). The fully indexed corresponding APR may range from 8.25% to 10.50%. OneAZ may pay third party fees on your behalf, in which case these will be subject to a recapture fee of $500 if loan is paid off and closed within 36 months. No $75 annual inactivity fee with balance and activity. Index (Prime Rate) is published in the Wall Street Journal following an FOMC Announcement as/when applicable or as of the 15th of each month. Variable Rate Provision: To determine the APR, we add a margin to the value of the index and round up to the nearest 0.25%. Floor Rate: 4.50%, Lifetime cap: 18.00%. Min. Payment: You will be required to make payments during draw period (10 years) and repayment period (up to 15 years).

Conditions apply. Rates and terms subject to change at any time.

Eligible Properties: Single Family Residences, PUDs (Planned Unit Development), Owned Occupied Duplexes.
Ineligible Properties: Condos, Manufactured Homes, Rental Properties, Second Homes, Triplex/Fourplex Multi-Unit Properties, Investment Properties, Out of State Properties, Commercial.