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Fixed Rate 2nd mortgage

* Competitive, fixed rates for short-term or one-time needs

* Loans up to 85% of the available equity of your home

* Amounts from $15,000 to $150,000

* 1% loan origination fee and no discount points or annual fees

* Terms up to 15 years

* Available for owner-occupied Arizona homes only (second homes in Arizona are eligible)

* Borrower pays for appraisal fee

* Local, Valley of the Sun decision-making and processing

* Attentive, friendly service from your community credit union

HELOC --Home Equity Line of Credit 

* Competitive rates for several ongoing or seasonal needs

* Credit limits up to 85% of the available equity in your home.

* Amounts from $15,000 to $200,000

* No origination fee, discount points, or annual fees

* Owner-occupied Arizona homes only

* Variable rate based on the Wall Street Journal Prime Rate plus a margin

* Draw period on the credit line is 7 years, then take another 8 years to repay in full

* Borrower pays for appraisal fee

* Local, Valley of the Sun decision-making and processing

* Attentive, friendly service from your community credit union

HILOC --Home Improvement Line of Credit  

* A fixed-rate designed for small home improvement projects that is also a line of credit

* Fixed-rate line of credit for home improvements

* Credit limits up to 90% of available equity in your home

* Amounts up to $50,000 (The HELOC is available for amounts greater than $50,000)

* No origination fee, discount points, annual fee, or appraisal fee

* Owner-occupied Arizona home only

* Draw period on the credit line is five (5) years, then take another ten (10) years to repay in full

* Local, Valley of the Sun decision-making and processing

* Attentive, friendly service for your community credit union