At Hughes FCU, we offer affordable home equity plans. Consolidate your loans and credit cards from other financial institutions at our low rate AND receive up to 100% tax deductible interest.*

*Consult your tax adviser for specific guidelines.

Here's how it works:

Adjustable Rate Plan

• You may borrow up to 90% of your home's appraised value.
• Choose from two terms, depending on the amount you borrow: $5,000 to $25,000 loans — up to 10 year terms; $25,001 to $50,000 — up to 15 year terms.
• Enjoy a low adjustable rate.
• Borrow a little or a lot of the equity in your home ($5,000 to $250,000).

Five-Year Fixed Rate Plan

Get a rate that's fixed for the first five years, then your rate adjusts every 60 months.

• Ten-year term on amounts from $5,000 to $50,000
• Fifteen-year term on amounts from $50,001 to $100,000

NOTE: The consequences of non-payment must be given careful consideration when securing a loan with your home. Please borrow responsibly. Property financed must be in Arizona for the Credit Union to do a Home Equity Loan

Apply online, call AnyHour Loan at (877) 999-LOAN 24-hours a day, or visit any of our branch locations.

Adjustable Rate: The index is based on the quarterly average of the Wall Street Journal Prime Rate as stated on the first workday of each month within the calendar quarters beginning with January, April, July, and October ("the Index") plus a margin of 1.0% and adjusted upward to the nearest 0.250% on loans with a loan-to-value of 80% or less. On loans with a loan-to-value higher than 80%, the rate shall be determined by using the Index plus a margin of 2.0% and adjusted upward to the nearest 0.250%. On Credit Builder Home Equity and the Rental/Vacation Property loans, the rate shall be determined by using the Index plus a margin of 3.0% and adjusted upward to the nearest 0.250%. The APR shall be subject to modification and adjustment any quarter hereafter until this loan is fully paid and discharged, and shall not exceed the maximum interest rate cap of 18%, whichever is less, and shall not decline below the minimum interest rate of 5%.

Five-Year, Fixed Rate Plan:The index is based on the quarterly average of the Wall Street Prime Rate as stated on the first workday of each month within the calendar beginning with January, April, July, and October (“the Index) plus a margin of 2.5% and adjusted upward to the nearest 0.250%. Rate changes: The APR is fixed for the first 60 months and can change every 60 months. The maximum APR that can apply is 18%. The minimum APR that can apply is 6.5%. Apart from these rate caps there are no limits on the amount by which the rate can change during any 60-month period. Certain restrictions apply.>

A complete Truth-in-Lending disclosure is provided at Hughes FCU.

Ask about our Credit Builder Loan or First Time Vehicle Buyer.