Your home's equity, working for you
A Home Equity Line of Credit (HELOC) lets you tap into the value you’ve already built, so you can focus on what matters most.
HOME EQUITY LINE OF CREDIT
Meet Your HELOC
A home equity line of credit can open the door to more.
Apply now#1 HELOC PROVIDER IN ARIZONA
Today’s rates
See all home loan ratesIntroductory 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
Your HELOC, Your Way
A HELOC is a tool to use your home’s equity for life’s bigger needs, with flexibility and control.
Renovate your home
Consolidate debt
Manage unexpected expenses
Estimate how much you could borrow
Fill out the form below to find out how much you could qualify for. See Terms & Conditions.
Membership Benefits
Local loan servicing
Support for Arizonans, by Arizonans
Top-rated mobile app and online banking tools
24/7 access to meet financial goals
Rewards program
Get rewarded for building your relationship with us!
Frequently Asked Questions
How do HELOC loans work?
A HELOC (or home equity line of credit) is a secure line of credit that homeowners may use to borrow against their home’s equity. HELOCs can have a lower interest rate than other forms of unsecured credit, like credit cards. They offer flexibility to use for home renovation, debt consolidation and other expenses. You can borrow over a 10-year period and take up to 20 years to repay what you use.
Who qualifies for a HELOC?
Typical qualifying factors may include having sufficient equity in your home (for example, around 15%), a credit score in the low 600s, and a debt-to-income ratio below 43%. Additional factors may apply.
Can I refinance a HELOC loan?
Yes! You may be able to refinance a HELOC to lower your interest rate, switch to fixed payments or extend the repayment period.
How do I access money from my HELOC?
HELOC funds can be transferred to your checking account and accessed through your debit card. Funds can also be withdrawn at a local branch.
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