2.99% APR
6-Month1 Introductory Rate
Adjusts to a minimum as low as 6.25% APR with auto pay
Fund Your Passion With a HELOC
Whether it's navigating the great outdoors, kicking your favorite dish up a notch with your culinary skills, furnishing your living space with just the right look and feel, or anything in-between Arizona Bank & Trust is here to help fund your passion.
Take advantage of these additional rate discounts after the introductory rate based on eligible deposit accounts held at Arizona Bank & Trust.2
| Rate Discount | Deposit Account Balance | APR |
|---|---|---|
| 0.00% | $0 - $49,999.99 | as low as 6.25% |
| 0.25% | $50,000 - $99,999.99 | as low as 6.00% |
| 0.50% | $100,000 - $199,999.99 | as low as 5.75% |
| 0.75% | $200,000 and above | as low as 5.50% |
What’s the difference between a Home Equity Line of Credit and a Home Equity Installment Loan?
Both loans use the equity in your home as collateral, so what’s the difference?
A Home Equity Line of Credit (HELOC) is a revolving credit line similar to a credit card. The borrower can draw money on the HELOC, pay it back, and then draw on it again if they choose.
A Home Equity Installment Loan is a fixed term loan with a fixed interest rate. The borrower will receive the lump sum of the amount they are approved for, and then will pay it back with a fixed term and fixed interest rate.
A HELOC may be the best option if you aren’t sure when or how much money you need. If you do not draw money from your HELOC, you do not have to make any payments. A Home Equity Installment Loan would be a good option if you have a larger project that you know the cost of up front.
Speak With One of Our HELOC Experts
Speak With Our HELOC Expert
Alexandra Boyd, NMLS #1717904
806.788.2819
Ruby Camarena, NMLS #1733704
806.429.0355
Jessica Chavez, NMLS #572076
432.617.9106
Tina Sharp, NMLS #2133906
806.897.4341
Ethan Baeza, NMLS #2245886
806.568.3980
Maria Padilla, NMLS #1534038
806.897.4342
Alicia Parks, NMLS #615006
806.256.2212
Starla Paschall, NMLS #1770787
806.776.6876
Noemi Ruvalcaba, NMLS #2086045
806.476.0567
Vicki Ramirez, NMLS #612091
806.788.2827
Jennifer Sanchez, NMLS ID#1464003
806.897.4318
Debbie Smith, NMLS #1420553
806.305.3374
Shawn Knox, NMLS #512977
806.897.4310
Tina Kirschman, NMLS #539809
815.637.7009
Judy Meehan, NMLS #503633
815.963.2168
Holly Bertucci, NMLS #1605025
815.777.0663
Mary Pohl, NMLS ID#: 502666
815.489.2155
Dominic Paxinos, NMLS #543066
406.777.7810
Karla Johnson, NMLS #1735790
406.655.6028
Delga Madrigal, NMLS #1651609
303.365.3663
Elaine Cheshire, NMLS #1831814
720.873.3791
Jordan Cross, NMLS #1651608
970.855.0528
Serena Faith Masterson, NMLS #932585
303.595.2553
Kim Webb, NMLS #1041994
720.873.3776
Danielle Culver, NMLS #1450679
303.365.3711
Dayana Cuen, NMLS #1894403
970.855.0705
Johan Gomez Sang
NMLS #1880137
jgomezsang@mnbankandtrust.com
651.314.2609
Nayri Anwaya, NMLS #725497
Fresno Banking Center
559.256.6434
Antonio Gutierrez, NMLS #2271267
Paso Robles & Higuera Banking Centers
AGutierrez@premiervalleybank.com
805.226.4400
Sabrina Ostrowski, NMLS #746570
Oakhurst, Mariposa & Groveland Banking Centers
sostrowski@premiervalleybank.com
559.642.0635
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1The introductory Annual Percentage Rate (APR) for the first 6 months will be fixed at 2.99% with a cap at $500,000 lending limit. Introductory APR for loan-to-value (LTV) between 80% - 90% will be fixed at 4.24%. After the introductory rate period ends, the loan will become a variable rate loan and subject to change based on changes to the index. The index used to determine the interest rate is the Wall St. Journal Prime Rate. Current index as of 08/16/2022 was 5.50%, plus a margin of 0.75%. Your margin and APR will be based on credit history, loan-to-value, eligible deposit account balance with Arizona Bank & Trust and automatic monthly payments. Automatic payment from Arizona Bank & Trust checking account is required or 0.25% will be added to the APR. No origination fee will be charged. Arizona Bank & Trust will pay up to $500.00 of closing costs. Any costs exceeding this amount are the responsibility of the borrower. Hazard insurance is required and flood insurance may be required. The minimum APR for plans with an 80% or less LTV is 3.25% and LTV between 80%-90% will be 4.50%. Maximum APR is 17.50% on all plans. $50$15 annual fee will be assessed on the anniversary date of the loan.
2Eligible deposit accounts include personal consumer checking, savings, and money market accounts. Funds must be in deposit account prior to final loan approval.
The offer is available on new lines only, owner occupied homes. In order to qualify as a new line, you may not have had a line using the same owner-occupied home as collateral with Arizona Bank & Trust within the past 30 days. Not available on piggyback loans to purchase property, homes that are for sale and/or listed for sale, purchase money HELOCs and refinancing existing bank mortgage or HELOC debt even if new money. Subject to credit approval and normal underwriting guidelines. Contact lender for details. Introductory rate effective for applications received on or after July 28, 2022, and may change at any time.
1The introductory Annual Percentage Rate (APR) for the first 6 months will be fixed at 2.99% with a cap at $500,000 lending limit. Introductory APR for loan-to-value (LTV) between 80% - 90% will be fixed at 4.24%. After the introductory rate period ends, the loan will become a variable rate loan and subject to change based on changes to the index. The index used to determine the interest rate is the Wall St. Journal Prime Rate. Current index as of 08/16/2022 was 5.50%, plus a margin of 0.75%. Your margin and APR will be based on credit history, loan-to-value, eligible deposit account balance with Citywide Banks, a division of HTLF Bank and automatic monthly payments. Automatic payment from Citywide Banks, a division of HTLF Bank checking account is required or 0.25% will be added to the APR. No origination fee will be charged. Citywide Banks, a division of HTLF Bank will pay up to $500.00 of closing costs. Any costs exceeding this amount are the responsibility of the borrower. Hazard insurance is required and flood insurance may be required. The minimum APR for plans with an 80% or less LTV is 3.25% and LTV between 80%-90% will be 4.50%. Maximum APR is 17.50% on all plans. $50 annual fee will be assessed on the anniversary date of the loan.
2Eligible deposit accounts include personal consumer checking, savings, and money market accounts. Funds must be in deposit account prior to final loan approval.
The offer is available on new lines only, owner occupied homes. In order to qualify as a new line, you may not have had a line using the same owner-occupied home as collateral with Citywide Banks, a division of HTLF Bank within the past 30 days. Not available on piggyback loans to purchase property, homes that are for sale and/or listed for sale, purchase money HELOCs and refinancing existing bank mortgage or HELOC debt even if new money. Subject to credit approval and normal underwriting guidelines. Contact lender for details. Introductory rate effective for applications received on or after July 28, 2022, and may change at any time.
1The introductory Annual Percentage Rate (APR) for the first 6 months will be fixed at 2.99% with a cap at $500,000 lending limit. The Maximum loan-to-value (LTV) is 80%. After the introductory rate period ends, the loan will become a variable rate loan and subject to change based on changes to the index. The index used to determine the interest rate is the Wall St. Journal Prime Rate. Current index as of 08/16/2022 was 5.50%, plus a margin of 0.75%. Your margin and APR will be based on credit history, eligible deposit account balance with Arizona Bank & Trust and automatic monthly payments. Automatic payment from Arizona Bank & Trust checking account is required or 0.25% will be added to the APR. No origination fee will be charged. Arizona Bank & Trust will pay up to $500.00 of closing costs. Any costs exceeding this amount are the responsibility of the borrower. Hazard insurance is required, and flood insurance may be required. The minimum APR for plans with an 80% or less LTV is 3.25%. Maximum APR is 10.00% on all plans. No annual fee.
2Eligible deposit accounts include personal consumer checking, savings, and money market accounts. Funds must be in deposit account prior to final loan approval.
The offer is available on new lines only, owner occupied homes. In order to qualify as a new line, you may not have had a line using the same owner-occupied home as collateral with Arizona Bank & Trust within the past 30 days. Not available on piggyback loans to purchase property, homes that are for sale and/or listed for sale, purchase money HELOCs and refinancing existing bank mortgage or HELOC debt even if new money. Subject to credit approval and normal underwriting guidelines. Contact lender for details. Introductory rate effective for applications received on or after July 28, 2022, and may change at any time.
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