Owning a Home

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Financial Education Center


Rates & Fees

  • Appraisal fee (if applicable)
  • Miscellaneous Fees May Apply

Home Equity LOC
Effective Date: 01/10/2024
Loan TypeAPR
Home Equity LOC As Low as 9.25%*
3rd Party Reimbursement Fees may occur if loan is closed within the first 3 years (fees range from $300.00 to $1,000.00)
* Rate tied to Wall Street Prime
** Variable rate may increase or decrease. Maximum APR 18%. APR = Annual percentage rate.
*** Rates, terms and approvals based on the member's creditworthiness, lien position, and residence type. Certain conditions and restrictions may apply. Maximum loan amount of $200,000.00
**** Consult your tax adviser regarding your individual tax situation



Home Equity LOC Compare
Loan TypeRateTermLine FeatureAnnual Fee
Home Equity LOC Variable Up to 20 Years Yes None
Home Equity Loan Fixed Up to 20 Years No None



How can I apply for a Home Equity Line of Credit with Pinal County FCU?
You can apply at your favorite Pinal County FCU branch. 
What is the maximum available term?
We offer terms up to 20 years.
What does CLTV stand for?
Combined loan to value, this is your first mortgage plus the amount of your loan request.
How much equity am I able to pull out of my home?
We are able to lend up to 70 - 90% CLTV depending on your residence type and lien position
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