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Home Equity Loans

Solutions for Life's BIG Moments

Our members choose Home Equity solutions for a variety of reasons. Whether you're adding a home extension or planning the vacation of a lifetime, Azura provides you the financial tools and options you need for all of life's moments, both planned and unexpected.

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Explore Your Home Equity Options

Home Equity Loan

Features and Benefits

  • No origination fee
  • Competitive fixed rates
  • Set payment amounts
  • Set payment terms

Home Equity Line of Credit

Features and Benefits

  • No origination fee
  • Competitive variable rates
  • Interest charged only on funds used
  • Monthly payment amounts determined by the amount used on the line of credit

Discover the Benefits

Azura Credit Union will ensure your home equity solution meets the needs of your family and aligns with your overall financial goals.

GET THINGS DONE

Accessing your home's equity can pay for home renovation projects, debt, and more.

low rates

Rates can be lower than other forms of borrowing like credit cards and unsecured loans with no collateral.

Flexibility

Home equity can be used for any purpose and may provide more funds than any other source, including personal loans and credit cards.

Tax Benefits

If you use your home equity on home improvement projects, you might be able to deduct the interest when you itemize your taxes with the help of your tax advisor. 

We're here to help!

If you have questions about your specific financial situation, we encourage you to apply online first. Without an application, we can answer general questions about our loan programs and process.

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Calculate Your Options

Home Equity Product Rates

All loans are subject to credit approval. Interest rates are subject to change daily and without notice. Current interest rates shown our indicative of market conditions and individual qualifications and will vary upon your lock-in period, occupancy, loan type, credit score, purpose and loan to value and lending source. Contact a member of our home loan team the most up-to-date rates with specific loan quote details.

Home & Home Equity Loans - Fixed Rate

Effective Date: Monday, December 5, 2022

Home & Home Equity Loans - Fixed Rate

TermLoan to ValueRateAPR*
5 YearUp to 80% LTV6.00%6.24%
10 YearUp to 80% LTV6.50%6.73%
15 YearUp to 80% LTV7.00%7.24%

*APR = Annual Percentage Rate. Rate and term are subject to credit approval. 
Assumptions are based on a $50K loan with $267.50 in APR related fees.

Home Equity Line of Credit (HELOC) - Variable Rate

Effective Date: Monday, December 5, 2022

Home Equity Line of Credit (HELOC) - Variable Rate

TermLoan to Value

APRT

Home Equity Line of CreditUp to 80%7.00% (equal to prime)
Over 80.1% - 100%9.00% (equal to prime +2%)

No origination fees for home equity lines of credit. Fees may apply to refinanced loans. APRs (Annual Percentage Rate) are based on Wall Street Journal Prime subject to change the first day of each month. Both Loans are accessible by check, with $500.00 minimum advances.


T APR = Annual Percentage Rate. Rate and term are subject to credit approval.

What else would you like to know more about?

Enjoy Next Level Azura Savings

Azura certificates and IRAs provide you with the options you need to plan ahead.

Let's Do This Together

We know achieving financial success is easier when you have a financial partner who goes above and beyond traditional banking. 
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