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A HELOC for life’s needs
Tap into your home’s equity and save with a limited-time promotional rate!¹
Apply nowToday’s rates
See all home loan rates
Introductory rate¹
5.99
%APR
For the first 12 months
For the first 12 months
Rates as low as¹
7.25
%APR
after the first 12 months
after the first 12 months
What is a HELOC?
A home equity line of credit (HELOC) gives you flexible access to cash for handling life’s expenses – using the equity you’ve built in your home. Whether you're managing emergencies or planning ahead, a HELOC offers access to funds when you need them – without the high interest of credit cards or personal loans.
It works like a revolving line of credit, with your home’s equity helping determine your limit. You can borrow over a 10-year period and take up to 20 years to repay what you use.
Estimate how much you could borrow with a HELOC
Do you have big dreams for yourself or your family? A HELOC can help you use the equity in your home to fund those goals. Then, you have a revolving line of credit to fund things like family vacations, home renovations and more! Just fill out the form below to find out how much you can potentially qualify for.
See Terms & Conditions.
Your home, your HELOC
Promotional intro rate¹
Save on interest with a competitive rate for a limited time.
Multiple property types²
Apply with your single-family home, condo, townhome, vacation home or investment property!
HELOC fixed-rate option³
Know what to expect with interest payments by locking in your rate.
Waived closing costs⁴
Walk away with all your new funds. Plus, you won’t pay application fees.
Up to a 30-year repayment period
Make minimum payments or more — whatever works for you.
Real voices, real impact
"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.
"Mark was wonderful to work with. He was informative, knowledgeable and helped me feel confident in the product selection. He was also quick to respond over email and phone as we worked to compile the necessary documents. Thanks so much, Mark!"
- Melanie B.
Apply for 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!
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.
Can you help me find insurance for my home?
Yes, we’re here to help! Get a custom online quote on the spot by clicking here.5
1
Rates valid on {current-date}. APR = Annual Percentage Rate. Promotional APR applies only to new Home Equity Lines of Credit (HELOC) with a minimum loan amount of $10,000, and a maximum loan-to-value (LTV) of 80%. Members who have closed an existing Desert Financial HELOC in the last 12 months are not eligible to receive the promotional APR on a new HELOC on that same property. $50 annual fee applies; waived for Rewards+ members. Visit DesertFinancial.com/Terms 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 January 1st, 2026, that index was 6.75%; resulting APR with a 0.50% margin is 7.25%. APR will never exceed 24.00%. "As low as" rate assumes excellent borrower credit history and a loan amount of $75,000 or more. 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. For current rates visit DesertFinancial.com/Rates.
7.25
3
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.
4
Closing costs are waived unless the loan is paid off within the first three years. An estimated range of fees is $200 to $750.
5
Insurance products and services are offered through Desert Financial Wealth Services, LLC dba Desert Financial Insurance Services. Desert Financial Wealth Services, LLC is a subsidiary of Desert Financial Credit Union. Insurance products and services are not insured by the NCUA, are not obligations of or guaranteed by the credit union or its affiliates and may be subject to risk.
Information needed before you apply.
Ready to apply for your HELOC?
Before you begin your application, make sure you have the following details ready. This will help you complete the process smoothly.
- Your property’s current estimated value
- Your property type — Is it a single-family home, condo, townhome, etc.?
- How you use your property — Is this your primary residence, or is it a vacation or investment property?
- Your mortgage status — Do you currently have a mortgage or home equity loan on this property, or do you own it free and clear?
- Your primary mortgage balance
- How you plan to use your funds
If you have answers to all these questions and you’re ready to apply, click below to start the application!
Apply Now