• Minimum Amount $10,000.00
  • Borrow up to 90% LTV up to $200,000 **
  • 10 to 20 years for repayment
  • Interest may be tax deductible***

Owning a Home

Visit our Financial Education Center and Explore the benefits and costs to buying and owning a home.

Financial Education Center


Rates & Fees

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

Home Equity
Effective Date: 01/10/2024
Loan TypeAPR
Home Equity As Low as 6.75%*
* 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 Compare
Loan TypeRateTermLine FeatureAnnual Fee
Home Equity Loan Fixed Up to 20 Years No None
Home Equity LOC Variable Up to 20 Years Yes None




How can I apply for an Home Equity Loan 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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