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Get great HELOC rates in Arizona

Tap into your home’s equity to finance what’s important to you.

Apply now
Introductory rate¹
For the first 12 months
Rates as low as¹
after the first 12 months
See all home loan rates

What is a HELOC?

A home equity line of credit (HELOC) allows you to use the equity you've built in your home as collateral to borrow money. You can withdraw funds as you need them during a 10-year period, then take up to 20 years to pay off what you borrowed.

Think of it as a revolving line of credit, except your credit limit is based on your home's equity.

Fund what matters to you

Renovate your home
Pay off debt
Take a vacation

Your home, your HELOC

12-month intro rate¹
Save on interest with a competitive HELOC rate during your first year.
Multiple property types
Apply with your single-family home, condo, townhome, vacation home or investment property!²
HELOC fixed rate option³
Know what to expect with interest payments by locking in your rate.
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Waived closing costs
Walk away with all your new funds. Plus, you won’t pay application fees.
20-year repayment period
Make minimum payments or more – whatever works for you.
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Get more with Relationship Rewards

Relationship Rewards is a free program you're automatically enrolled in when you become a member. You earn points for doing various banking activities with us – and every point can help you level up! The higher your Relationship Rewards level, the more benefits you get.

What members are saying

"The process was very easy and we appreciated being kept informed as to where we were in the process. Skylar provided great customer service! Thank you!"
Sarah P.

Get your HELOC in 4 easy steps

Apply for your HELOC.
Apply online, over the phone or at a branch.
Submit your documents.
Verify details like your income and property information.
Allow for processing.
We’ll process your loan and obtain your property value.
Sign and enjoy!
Once you sign your loan documents, the only thing left to do is enjoy your HELOC!
Apply now

FAQs about HELOCs

What is the minimum loan amount I can apply for?

The minimum application amount for a HELOC is $10,000.

What is the maximum loan amount I can apply for?

You could be approved for a loan that brings your combined loan-to-value (CLTV) ratio to no more than 80%. The CLTV ratio is the ratio of all secured loans on a property to the value of a property; you can calculate it by dividing the total of secured loans by the value of the property. For example, if your mortgage balance is $150,000, you have a $30,000 HELOC and your home is worth $250,000, your CLTV ratio would be 72%. The HELOC amount that would bring the CLTV ratio to 80% in this example is $50,000.

What can I use my home equity line of credit for?

It may be used when and where you want. For instance, you could renovate your home or yard, cover unexpected expenses or simply make purchases at your discretion.

What is auto pay?

Auto pay is an optional, automatic loan payment withdrawn from your Desert Financial checking account on the same day each month.

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Rates valid on {current-date}. APR = Annual Percentage Rate. Promotional APR applies only to new HELOCs with a minimum loan amount of $10,000 and a maximum loan-to-value (LTV) of 80%. $50 annual fee applies; waived for Rewards+ members. See Statements of Terms, Conditions, and Disclosures for full Relationship Rewards details. Promotional APR is fixed for initial 12 months of the term. On the first calendar day of the 13th month following loan closing date, APR will convert to the variable rate plan as described in the applicable loan documents. Subsequent APR may vary based on the index rate, plus a margin. Index rate is based on the Prime Rate as published in the Wall Street Journal. On November 3, 2022, that index was 7.00%; resulting APR with a 0.875% margin is 7.875%. APR will never exceed 18.00%. "As low as" rate assumes excellent borrower credit history, loan amount of $75,000 or more, and 60% or less loan-to-value. Alternative rates and terms are available. Actual rates and APRs dependent on credit history, type of product, loan term and loan-to-value (LTV), occupancy and type of collateral. This line has a 10-year draw period. Minimum monthly payment will be principal and interest amortized over a 30-year repayment term. NMLS ID#509455. Visit our rates page for additional information and details.


Property must be located in Arizona.


Fixed Rate Option: Must convert a minimum balance of $10,000 to Fixed Rate Option and may not exceed the credit limit. Loan term cannot exceed loan maturity date. Maximum of three Fixed Rate Options may be open at one time. Rates for the Fixed Rate Option are typically higher than HELOC variable rates. Minimum payment on a Fixed Rate Option includes principal and interest in fixed monthly payments. Property insurance required. Interest may be tax deductible. Consult your tax professional regarding deductibility. NMLS ID #509455

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