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Last Updated: 04/18/2025

Arize FCU Home Equity Line of Credit

from Arize Federal Credit Union

Last Updated: 04/18/2025

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Highlights

Credit Score Range

N/A

Amount Range

N/A

Maximum LTV

90%

Minimum Draw

$300

Loan Term (Years)

Starting at 1

Arize FCU Home Equity Line of Credit Review

Arize FCU Home Equity Line of Credit is offered by Arize Federal Credit Union , a credit union founded in 1978 and based in State College, PA. Arize FCU Home Equity Line of Credit are available in 50 states and Washington, DC.

Key Takeaways

Only primary residences considered. Arize FCU Home Equity Line of Credit does not offer financing for vacation homes or investment properties.
Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.
High maximum LTV ratio. Arize FCU Home Equity Line of Credit has a maximum loan to value ratio of 90%.
Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Arize FCU Home Equity Line of Credit.

Arize FCU Home Equity Line of Credit Pros & Cons

Pros

Cons

Available in all 50 states.

Charges an origination fee.
Charges prepayment fees.

Arize FCU Home Equity Line of Credit FAQ

How much can you borrow with a HELOC?

HELOCs are lines of credit secured by your home. Once approved, you can access funds by check, phone, credit card, or online up to your credit limit.

Borrowers can apply for lines of credit of up to $500,000. The maximum amount depends on property value, existing mortgage balance, and creditworthiness.

The maximum loan-to-value (LTV) ratio goes up to 90%. This means total debt secured by the property cannot exceed this percentage of its value. For example, on a $100,000 home with a $20,000 mortgage balance, you may qualify for up to $70k in credit.

Is there a minimum draw requirement?

Yes. The minimum draw requirement is $300.00.

What fees does Arize FCU Home Equity Line of Credit charge for a HELOC?

Arize FCU Home Equity Line of Credit may charge an origination fee.

What types of property can you use as security for a HELOC with Arize FCU Home Equity Line of Credit?

Arize Federal Credit Union may consider HELOCs secured by the following property types:

Primary residences

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Headquarters

650 Science Park Rd

State College, PA 16803

(877) 342-5975

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

9:00AM - 4:30PM

Tuesday

9:00AM - 4:30PM

Wednesday

9:00AM - 4:30PM

Thursday

9:00AM - 4:30PM

Friday

9:00AM - 4:30PM

Saturday

Closed

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SuperMoney Net Recommendation Score

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-1000+100

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