Features
- Borrow up to 90% LTV up to $200,000 ***
- 10 to 20 years for repayment
- Interest may be tax deductible****
- Early Truth in Lending Disclosure
Owning a Home
Visit our Financial Education Center and Explore the benefits and costs to buying and owning a home.
Rates & Fees
- Appraisal fee (if applicable)
- Miscellaneous Fees May Apply
Home Equity LOC
Effective Date: 09/17/2026
| Loan Type | APR |
|---|---|
| Home Equity LOC | As Low as 7.50%* |
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 | |
Compare
Home Equity LOC Compare
| Loan Type | Rate | Term | Line Feature | Annual Fee |
|---|---|---|---|---|
| Home Equity LOC | Variable | Up to 20 Years | Yes | None |
| Home Equity Loan | Fixed | Up to 20 Years | No | None |
FAQs
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.
You can apply at your favorite Pinal County FCU branch.
What is the maximum available term?
We offer terms up to 20 years.
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.
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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We are able to lend up to 70 - 90% CLTV depending on your residence type and lien position