Star Valley, AZ Home Equity & HELOC Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Star Valley, Arizona home equity loan and HELOC rates from lenders serving Arizona range from 4.50% to 10.49%, verified by MonitorBankRates as of October 12, 2026. Current home equity loan rates for Star Valley, Arizona borrowers from lenders serving Arizona include District #6 Federal Credit UnionDistrict #6 Federal Credit UnionA+5.0 ★Texas Ratio: 3.29% offering Home Equity Loans - 10-Year Fixed Rate at 4.50%, Banner Federal Credit UnionBanner Federal Credit UnionA+5.0 ★Texas Ratio: 1.78% offering Home Equity / Second Mortgage at 4.50%, Farmers Insurance Federal Credit UnionFarmers Insurance Federal Credit UnionA5.0 ★Texas Ratio: 12.30% offering Home Equity Loan at 4.99%, First Credit UnionFirst Credit UnionA+5.0 ★Texas Ratio: 3.39% offering Home Equity at 4.99%, and Blue Water Federal Credit UnionBlue Water Federal Credit UnionA+5.0 ★Texas Ratio: 0.63% offering Home Equity at 5.125%. Home equity and HELOC rates as of October 12, 2026 according to verified data from MonitorBankRates. Use the tabs below to compare home equity loans and HELOCs side by side. Rates are continually updated, we recommend checking back frequently.
Rates reflect actual verified offers from lenders actively serving Arizona borrowers. Your final approved rate will depend on your credit profile, the equity in your home, your combined loan-to-value ratio, and daily market movements. Last Updated and Verified: October 12, 2026
Compare Home Equity & HELOC Rates Today in Star Valley, Arizona & the Surrounding Area
Star Valley Home Equity Loan Rates
No additional details available.
No additional details available.
Lines of Credit and Closed End Available. Fees generally total from $200.00 to $600.00. Subsequent APR may vary based on the index rate, plus a margin. Index rate is based on the average 26 week T-Bill Rate as published in the Wall Street Journal. On June 29, 2022, the index average was 2.08%; resulting APR with a 2.42% margin is 4.50%. Changes in the index will cause changes in the Interest Rate on the first day of each calendar quarter of each year. Increases and decreases will result in like increases and decreases in the Finance Charge and may affect the amount of the final payment. Your Interest Rate cannot increase or decrease more than 2.00 percentage points each year. APR will never exceed 18.00% and will never be less than 5.00%. "As low as" rate assumes excellent borrower credit history. Alternative rates and terms are available. Actual rates and APRs dependent on credit history and type of product. This line of credit has a 5-year draw period. Minimum monthly payment will be principal, and interest and equal to 1.60% of the balance during the 5-year draw period. After the Draw Period ends, your payments will be fixed to the amount necessary to fully amortize Your outstanding balance no later than 120 months after the from the end of the Draw Period, subject to the lesser of $100.00 or Your account balance.
No additional details available.
Intro APR
over $50,000.00; Term: 15 Year Balloon @ 360 months; $0 Closing Costs. Restrictions apply
Rates as low as
Published APR range: 5.75% - 13.00%. Fixed
- Oct 10, 20265.75%▼ from 6.00%
- Sep 18, 20266.00%first recorded
Term: 5, 10 and 15-year terms; Flexible loan amounts, $20,000 and higher; Rate is dependent on credit history, and may be lower than personal solar loan; Available in all states except for Hawaii and Alaska
up to $50,000.00; Term: 5 Year Balloon @ 180 months; $0 Closing Costs. Restrictions apply
up to $50,000.00; Term: 7 Year Balloon @ 180 months; $0 Closing Costs. Restrictions apply
As Low As; *
over $50,000.00; Term: 10 Year Balloon @180 month; $0 Closing Costs. Restrictions apply
$0 Closing Costs. Restrictions apply
lowest available
$0 Closing Costs. Restrictions apply
As Low As; Fixed; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Thursday, October 01, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
Loan Amount: $5,000.00 - or more
- Oct 2, 20266.99%▲ from 6.74%
- Sep 29, 20266.74%first recorded
As Low As; Fixed; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Thursday, October 01, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
As Low As; Fixed; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Thursday, October 01, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
$0 Closing Costs. Restrictions apply
As Low As; Fixed; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Thursday, October 01, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
Rate Lock Feature: rate can be locked up to three times at once per Hybrid Home Equity loan. Portion of credit line can be fixed up to 15 years from Line of Credit loan date. Minimum fixed loan amount for a Rate Lock is $5,000. Fixed rate portion reduces the availability on the line of credit, payments made to the fixed rate portion replenishes the line of credit. As of 10/01/2026, the fixed rate for an 80% Hybrid Locked segment is as low as 7.24%. Home Equity products are available in FL, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *FL and Illinois properties - maximum LTV 90%/maximum loan amount $250,000.
No additional details available.
Up to $500; Published APR range: 7.25% - 8.75%.
No additional details available.
Rates as low as 7.340% APR and assume a 750 FICO, primary residence, and a 70% maximum HLTV on a 5-year term. Rates are based on loan term, credit history, loan-to-value (LTV)/combined loan-to-value (CLTV)/high credit loan-to-value (HLTV) ratio, loan amount, and occupancy, so your rate may differ. Navy Federal will pay for all closing costs on fixed-rate equity loan applications. For loan amounts up to $250,000, closing costs that members may pay typically range between $300 and $2,000.
Balance Amount: $5,000.00 - or more; Loan Amount: $5,000.00 - or more
- Oct 2, 20267.49%▲ from 7.24%
- Sep 29, 20267.24%first recorded
No additional details available.
Term: Maximum term - 5 years
Rates as low as 7.50%!; The posted APR's (Annual Percentage Rate) are based on 85% Combined Loan To Value (CLTV), a 10 year repayment term and a loan amount of $100,000. Your rate may be higher depending upon your credit history and CLTV. Account set-up fees include $250 processing fee, $185 document preparation fee, and $14 flood determination. Additional fees, ranging from $150 - $1,200 may be required for title search and appraisal. A tax service fee of $75.00 will apply if loan is in first lien position.
No additional details available.
Term: 5 year draw period followed by a 15 year payback period; Variable Rate; Index: WSJ Prime Rate; Current Base Rate (as of 10/1/2026): 7.00%; Loan to Value: Up to 85% - Restrictions Apply; Payment: Interest only during draw period, Principal & Interest during payback period
No additional details available.
Up to $500; Published APR range: 8.00% - 9.50%.
Term: Maximum term - 10 years
Fixed; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Thursday, October 01, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
As Low As; Fixed; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Thursday, October 01, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
Rate Lock Feature: rate can be locked up to three times at once per Hybrid Home Equity loan. Portion of credit line can be fixed up to 15 years from Line of Credit loan date. Minimum fixed loan amount for a Rate Lock is $5,000. Fixed rate portion reduces the availability on the line of credit, payments made to the fixed rate portion replenishes the line of credit. As of 10/01/2026, the fixed rate for an 90% Hybrid Locked segment is as low as 8.24%. Home Equity products are available in FL, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *FL and Illinois properties - maximum LTV 90%/maximum loan amount $250,000.
No additional details available.
Balance Amount: $5,000.00 - or more; Loan Amount: $5,000.00 - or more
- Oct 2, 20268.49%▲ from 8.24%
- Sep 29, 20268.24%first recorded
Fixed; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Thursday, October 01, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
Term: Maximum term - 15 years
Rate Lock Feature: rate can be locked up to three times at once per Hybrid Home Equity loan. Portion of credit line can be fixed up to 15 years from Line of Credit loan date. Minimum fixed loan amount for a Rate Lock is $5,000. Fixed rate portion reduces the availability on the line of credit, payments made to the fixed rate portion replenishes the line of credit. As of 10/01/2026, the fixed rate for an 100% Hybrid Locked segment is as low as 9.24%. 100% LTV Home Equity products are available in Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *FL and Illinois properties - maximum LTV 90%/maximum loan amount $250,000
Balance Amount: $5,000.00 - or more; Loan Amount: $5,000.00 - or more
- Oct 2, 20269.49%▲ from 9.24%
- Sep 29, 20269.24%first recorded
Fixed; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Thursday, October 01, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
Fixed; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Thursday, October 01, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
No additional details available.
- Oct 9, 20269.62%▲ from 9.50%
- Oct 5, 20269.50%▼ from 9.62%
- Sep 29, 20269.62%▲ from 9.50%
- Sep 25, 20269.50%▲ from 9.12%
Published APR range: 10.00%-17.50%. Your interest rate may be higher or lower depending on your credit history and other deciding factors. APR = Annual Percentage Rate
Fixed; Homeowner's Insurance is required, and other fees may apply. Consult a tax advisor regarding the tax deductibility of interest related to your Home Equity Loan. Rates and terms are accurate as of Thursday, October 01, 2026 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18%. A reimbursement fee may apply if reconveyed within 24 months.
Star Valley HELOC Rates
Introductory rate for 6 months, then variable rate of 8.00%-9.00% APR after introductory period.
- Sep 27, 20265.24%▼ from 7.75%
- Sep 15, 20267.75%first recorded
Loan Amount: $10,000.00 - $350,000.00
- Oct 2, 20265.49%▲ from 5.24%
- Sep 29, 20265.24%first recorded
Published APR range: 5.50% - 13.26%.
Loan Amount: $10,000.00 - $350,000.00; As Low As
Published APR range: 6.00% - 12.25%.
Introductory annual percentage rate ("APR") as low as 5.24% for the first year. Thereafter the APR varies, with a maximum APR of 18%. As of 10/01/2026, this variable Hybrid Home Equity Line of Credit APR would have been 6.24% APR for 70% LTV. Intro rate of 5.24% is for well-qualified borrowers at a maximum loan to value ratio ("LTV") of 70%. New loans only. Additional introductory rates and variable rate may be available for higher LTVs. Contact the credit union for details. Consult your tax advisor regarding deductibility of interest. Benefits of a loan for debt consolidation depend on individual circumstances. Speak with a representative on whether it is the right fit for you. Please contact credit union for additional information regarding Hybrid rate locks. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed in the account agreement. Rates, terms and conditions are subject to change or expire without notice. Home Equity products are available in FL, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *FL and Illinois properties - maximum LTV 90%/maximum loan amount $250,000. Loan to Value = LTV. Home value may be based on full appraisal at the member's expense. Property must be a single family home and owner occupied. Property insurance will be required.
- Oct 2, 20266.24%▲ from 5.24%
- Sep 29, 20265.24%first recorded
As Low As; Variable
Rates Subject to Change
- Oct 2, 20266.50%▲ from 6.25%
- Sep 14, 20266.25%first recorded
Published APR range: 6.50% - 12.75%.
No additional details available.
No additional details available.
As Low As; Variable
Introductory annual percentage rate ("APR") as low as 5.74% for the first year. Thereafter the APR varies, with a maximum APR of 18%. As of 10/01/2026, this variable Hybrid Home Equity Line of Credit APR would have been 6.74% APR for 80% LTV. Intro rate of 5.74% is for well-qualified borrowers at a maximum loan to value ratio ("LTV") of 80%. New loans only. Additional introductory rates and variable rate may be available for higher LTVs. Contact the credit union for details. Consult your tax advisor regarding deductibility of interest. Benefits of a loan for debt consolidation depend on individual circumstances. Speak with a representative on whether it is the right fit for you. Please contact credit union for additional information regarding Hybrid rate locks. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed in the account agreement. Rates, terms and conditions are subject to change or expire without notice. Home Equity products are available in FL, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *FL and Illinois properties - maximum LTV 90%/maximum loan amount $250,000. Loan to Value = LTV. Home value may be based on full appraisal at the member's expense. Property must be a single family home and owner occupied. Property insurance will be required.
- Oct 2, 20266.74%▲ from 5.74%
- Sep 29, 20265.74%first recorded
As low as
Rate*
- Sep 22, 20266.75%▲ from 6.50%
- Sep 14, 20266.50%first recorded
As low as; Rate is variable and changes quarterly based on Prime rate
Rate as low as:
Rate as low as:
Loan to Value: Under 75%; Margin: 0.00%; Loan amounts from $15,000 to $200,000; Variable rate based on margin plus Wall Street Journal Prime index
No additional details available.
- Oct 9, 20266.97%▲ from 6.59%
- Sep 21, 20266.59%▲ from 6.33%
- Sep 18, 20266.33%▲ from 6.08%
- Sep 14, 20266.08%first recorded
Loan Amount: $10,000.00 - $250,000.00
- Oct 2, 20266.99%▲ from 6.74%
- Sep 29, 20266.74%first recorded
As Low As; Max Loan Amount: up to $250,000*; Max CLTV: Up to 80% Combined Loan to Value
No additional details available.
- Oct 2, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
6-mo. fixed Intro APR, then as low as; 5.99%
- Sep 25, 20267.00%▲ from 6.75%
- Sep 14, 20266.75%first recorded
4.99% intro APR for 6 months, then 7.00% variable
After introductory period; Variable rate adjusted up to twice per year after introductory period; Index rate is based on the Prime Rate as published in the Wall Street Journal; On September 17, 2026, that index was 7.00%; resulting APR with a 0.50% margin is 7.50%; Floor rate at the end of the initial 12-month period is 2%; APR will never exceed 18.00%; "As low as" rate assumes excellent borrower credit history, 65% or less Loan-to-Value; Quoted rates reflect the lowest rate available with a 0.50% rate discount applied for qualified borrowers with a 720+ credit score when CLTV (Combined Loan to Value) is <= 65% (only available for A+ and A Tiers); Alternative rates and terms are available; Actual rates and APRs dependent on credit history, type of product, loan term and loan to value (LTV); This line has a 10-year draw period; Eligible property includes single-family, owner-occupied, primary residence and vacation homes (located in AZ or NM only); Property insurance required; Interest may be tax deductible; Consult your tax professional regarding deductibility; Closing costs are waived unless the loan is paid off within the first 36 months; The estimated range of fees is $100 to $800; Not all members will qualify for this promotional offer; All loans are subject to credit worthiness, collateral conditions, and location; Other restrictions may apply; Membership in First American Credit Union required; Membership requires a savings account with a minimum balance of $25, plus a $10 non-refundable membership fee; Contact us for specific details; See the Home Equity Early Disclosure for complete details; We do business in accordance with Federal fair housing laws, including the Equal Credit Opportunity Act; First American Credit Union NMLS ID #811468
- Sep 22, 20267.00%▲ from 6.75%
- Sep 18, 20266.75%first recorded
Term: 10 Years Revolving - 15 Years Repayment; As low as
- Sep 18, 20267.12%▲ from 6.87%
- Sep 15, 20266.87%first recorded
Published APR range: 7.25% - 13.75%. Variable
- Oct 2, 20267.25%▲ from 7.00%
- Sep 14, 20267.00%first recorded
Max Loan Amount: $500,000
- Oct 1, 20267.25%▲ from 7.00%
- Sep 30, 20267.00%first recorded
Variable Rate Loan
Loan to Value: 76-80%; Margin: 0.50%; Loan amounts from $15,000 to $200,000; Variable rate based on margin plus Wall Street Journal Prime index
- Sep 18, 20267.25%▲ from 7.00%
- Sep 14, 20267.00%first recorded
Variable
- Oct 2, 20267.49%▲ from 7.24%
- Sep 14, 20267.24%first recorded
Intro rate for 6 months
- Oct 2, 20267.50%▲ from 7.25%
- Sep 14, 20267.25%first recorded
As Low As; *
- Oct 6, 20267.50%▲ from 7.25%
- Sep 14, 20267.25%first recorded
after the first 12 months. Promotional APR applies only to new Home Equity Lines of Credit (HELOC) with a minimum loan amount of $10,000, and a maximum loan-to-value (LTV) of 80%. Members who have closed an existing Desert Financial HELOC in the last 12 months are not eligible to receive the promotional APR on a new HELOC on that same property. $50 annual fee applies; waived for Rewards+ members. Promotional APR is fixed for initial 12 months of the term. On the first calendar day of the 13 th month following loan closing date, APR will convert to the variable rate plan as described in the applicable loan documents. Subsequent APR may vary based on the index rate, plus a margin. Index rate is based on the Prime Rate as published in the Wall Street Journal. On October 1 st , 2026, that index was 7.00 %; resulting APR with a 0.50% margin is 7.50 %. APR will never exceed 24.00%. "As low as" rate assumes excellent borrower credit history and a loan amount of $75,000 or more. Alternative rates and terms are available. Actual rates and APRs dependent on credit history, type of product, loan term and loan-to-value (LTV), occupancy and type of collateral. This line has a 10-year draw period. Minimum monthly payment will be principal and interest amortized over a 30-year repayment term. NMLS ID#509455. For current rates visit DesertFinancial.com/Rates .
- Oct 2, 20267.50%▲ from 7.25%
- Sep 14, 20267.25%first recorded
No additional details available.
- Sep 21, 20267.50%▲ from 7.25%
- Sep 14, 20267.25%first recorded
As low as; Prime + 0.59%; Loan assumptions and disclosures
- Oct 10, 20267.59%▼ from 7.79%
- Oct 6, 20267.79%first recorded
As low as; Prime + 0.59%; Loan amount: $100,000; Includes Auto Pay from eligible checking account discount of 0.25%
- Oct 10, 20267.59%▼ from 7.79%
- Sep 30, 20267.79%first recorded
Variable Rate Information After Introductory; Rate based on The Wall Street Journal Prime Rate plus a margin that varies depending on the state in which property is located, individual credit qualifications, credit limit amount, loan to value ratio and other criteria. Rates shown are for first lien lines of credit of $100,000 secured by an owner occupied 1 to 4 family residence, in Illinois, with a loan-to-value (LTV) of 70% or less, and a FICO credit score of 780+, and includes a 0.25% Auto Pay discount. Rates vary from 7.69% APR to 15.06% APR depending on property state, loan amount and other variables. Your APR will never be lower than the floor rate in the credit agreement, or exceed 18.00% APR or the maximum APR permitted by law, whichever is less.
As low as; Fixed HELOC amount: $100,000; Your HELOC rates have been updated based on a TwentyYear-year term in Illinois.
Variable
- Oct 2, 20267.74%▲ from 7.49%
- Sep 14, 20267.49%first recorded
Introductory annual percentage rate ("APR") as low as 6.74% APR for the first year. Thereafter, the APR varies, with a maximum APR of 18%. As of 10/01/2026, this variable Hybrid Home Equity Line of Credit APR would have been 7.74% APR for 90% LTV. Intro rate of 6.74% is for well-qualified borrowers at a maximum loan to value ratio ("LTV") of 90%. New loans only. Contact the credit union for details. Consult your tax advisor regarding deductibility of interest. Benefits of a loan for debt consolidation depend on individual circumstances. Speak with a representative on whether it is the right fit for you. Please contact credit union for additional information regarding Hybrid rate locks. Loan approval and APR based on creditworthiness, payment method, length of loan term, ability to repay, and amount of loan, in addition to other conditions listed in the account agreement. Rates, terms and conditions are subject to change or expire without notice. Home Equity products are available in FL, Illinois, Kansas and Missouri only*. For states with a mortgage tax, the cost of the mortgage tax will be paid by the member and may be paid in cash or taken from the proceeds of the HELOC. *FL and Illinois properties - maximum LTV 90%/maximum loan amount $250,000. Loan to Value = LTV. Home value may be based on full appraisal at the member's expense. Property must be a single family home and owner occupied. Property insurance will be required. Line amounts range from $10,000 to $250,000.
- Oct 2, 20267.74%▲ from 6.74%
- Sep 29, 20266.74%first recorded
Fixed Rates
Variable Rates - Up to 80% CLTV
- Sep 29, 20267.75%▲ from 7.50%
- Sep 14, 20267.50%first recorded
Rate Type: Adjustable; Property financed must be in Arizona
Loan to Value: 81-85%; Margin: 1.00%; Loan amounts from $15,000 to $200,000; Variable rate based on margin plus Wall Street Journal Prime index
- Sep 18, 20267.75%▲ from 7.50%
- Sep 14, 20267.50%first recorded
Additional APR listed for this product: 9.84%.
- Oct 7, 20267.83%▲ from 7.78%
- Sep 24, 20267.78%▲ from 7.68%
- Sep 15, 20267.68%first recorded
No additional details available.
- Oct 1, 20268.00%▲ from 7.75%
- Sep 24, 20267.75%first recorded
Up to $500; Published APR range: 8.00% - 9.50%. Variable rate based on prime rate plus margin - Primary Residence
Additional APR listed for this product: 10.03%.
- Oct 7, 20268.02%▲ from 7.92%
- Oct 1, 20267.92%▲ from 7.87%
- Sep 24, 20267.87%▲ from 7.77%
- Sep 15, 20267.77%first recorded
Additional APR listed for this product: 10.06%.
- Oct 7, 20268.05%▲ from 7.95%
- Oct 1, 20267.95%▲ from 7.90%
- Sep 24, 20267.90%▲ from 7.80%
- Sep 15, 20267.80%first recorded
Additional APR listed for this product: 10.20%.
- Oct 7, 20268.19%▲ from 8.09%
- Oct 1, 20268.09%▲ from 8.04%
- Sep 24, 20268.04%▲ from 7.94%
- Sep 15, 20267.94%first recorded
As low as; Prime + 1.19%; Loan assumptions and disclosures
- Oct 10, 20268.19%▼ from 8.39%
- Oct 6, 20268.39%first recorded
As low as; Prime + 1.19%; Loan amount: $50,000; Includes Auto Pay from eligible checking account discount of 0.25%
- Oct 10, 20268.19%▼ from 8.39%
- Sep 30, 20268.39%first recorded
Max Loan Amount: $250,000
- Oct 1, 20268.25%▲ from 8.00%
- Sep 30, 20268.00%first recorded
As low as; Fixed HELOC amount: $50,000; Your HELOC rates have been updated based on a TwentyYear-year term in Illinois.
Published APR range: 8.50%-14.50%. Your interest rate may be higher or lower depending on your credit history and other deciding factors. APR = Annual Percentage Rate
Rate Type: Adjustable; Property financed must be in Arizona
Loan Amount: $10,000.00 - $100,000.00
Max Loan Amount: $100,000
- Oct 1, 20269.25%▲ from 9.00%
- Sep 30, 20269.00%first recorded
Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Star Valley, Arizona Home Equity Snapshot
Local housing and income figures that shape how much equity Star Valley, AZ homeowners can borrow against. Source: U.S. Census Bureau & FHFA.
Equity and borrowable estimates are illustrative, based on a typical owner who has paid the original mortgage down to roughly 65% of current value and an 85% combined loan-to-value ceiling. Your actual figures depend on your remaining mortgage balance, credit profile, and lender underwriting.
How Much Can You Borrow in Star Valley, Arizona?
Your borrowing limit on a home equity loan or HELOC is set by your combined loan-to-value ratio (CLTV), the total of your first mortgage plus the new loan, divided by your home's appraised value. Most lenders cap CLTV at 80 to 85%. Using the local median home value of $176,400, here is roughly what an 85% CLTV ceiling allows at three stages of mortgage payoff:
| Mortgage Stage | Still Owed | Equity Held | Est. You Could Borrow |
|---|---|---|---|
| Earlier in repayment | $123,480 | $52,920 | $26,460 |
| Roughly halfway through | $97,020 | $79,380 | $52,920 |
| Well into repayment | $70,560 | $105,840 | $79,380 |
The further along you are in paying down your first mortgage, the more equity sits available to borrow against. Lenders will also weigh your credit score, debt-to-income ratio, and income , the local median household income is $65,426, before issuing a final offer.
Illustrative estimates only, based on an 85% CLTV ceiling and the Census median home value for this area. Actual limits vary by lender (some allow up to 90% CLTV), by your home's appraised value, and by your credit profile. This is not a loan offer or a guarantee of approval.
Star Valley, AZ Home Equity Rate Trends
Compare local Star Valley, AZ home equity quotes against the statewide average
Daily HELOC and home equity loan averages tracked across our database of verified rate quotes, updated every evening.
Arizona HELOC rates fell 0.044 points over the past 7 days to 7.220%.
Arizona home equity loan rates rose 0.017 points over the past 7 days to 6.805%.
Arizona Home Equity Rate Forecast, Next 12 Months
Where are Arizona HELOC and home equity loan rates headed through October 2027?
HELOC trajectory based on prime rate path (prime = fed funds + 3.0%). Home equity loan trajectory based on Fed funds futures and 10-year Treasury path. Not financial advice.
What Forecast Rates Mean for Star Valley, AZ Borrowers
Monthly cost on $50,000 borrowed. HELOC shown as interest-only payment (typical during 10-year draw period). Home equity loan shown as fully amortizing principal & interest on a 15-year term.
| Scenario | HELOC Rate | HELOC Mo. Interest | HE Loan Rate | HE Loan Mo. P&I |
|---|---|---|---|---|
| Today (AZ avg) | 7.220% | $301 | 6.805% | $444 |
| 6-Month Forecast | 7.220% | $301 | 6.805% | $444 |
| 12-Month Forecast | 6.970% (6.72, 7.17%) | $290 (-$11) | 6.405% (6.06, 6.71%) | $433 (-$11) |
Green (−) = lower monthly cost vs today. Red (+) = higher monthly cost. HELOC cost reflects variable-rate exposure: when prime drops, HELOC costs drop within one billing cycle. Locking a fixed home equity loan now insulates against further rate increases but forfeits the savings if rates fall.
How Home Equity Lending Works in Star Valley, Arizona
Star Valley, Arizona Equity Math
According to the U.S. Census Bureau, the median owner-occupied home value in Star Valley, Arizona is approximately $176,400. A homeowner who owes 60% of their original mortgage on a median-valued home would have roughly $70,560 in available equity. At a typical 85% CLTV limit, that means they could potentially borrow up to $44,100 via a HELOC or home equity loan, depending on credit profile and lender underwriting standards.
Home Equity Loan vs HELOC, Quick Comparison
| Feature | Home Equity Loan | HELOC |
|---|---|---|
| Rate Type | Fixed for life of loan | Variable (prime + margin) |
| Payout | Lump sum at closing | Draw as needed, up to limit |
| Term | 5-30 years | 10-yr draw + 20-yr repay (typical) |
| Payment | Fixed P&I from month one | Interest-only during draw (usually) |
| Closing Costs | Typically 2-5% of loan | Often $0 (promos common) |
| Best For | Specific large expense, payment certainty | Ongoing access, flexible borrowing |
Want a deeper breakdown? Read our full guide: Home Equity Loan vs HELOC, Key Differences, Pros and Cons
Home Equity Rules for Star Valley, Arizona Borrowers
Star Valley, Arizona homeowners borrow under Arizona law. No LTV or fee caps beyond federal rules, but HELOCs and other non purchase money loans are outside the anti-deficiency statutes if the lender is wiped out by a senior sale or forecloses judicially. At the Star Valley, Arizona median home value of $176,400, a lender's typical 80 percent combined loan to value limit works out to about $141,100 of total mortgage and home equity debt against the home. No general state cap for forward residential mortgages; federal ability to repay rules govern, and reverse mortgages must allow prepayment without penalty (A.R.S. 6-1705).
Read the full Arizona home equity rules, including foreclosure, deficiency, closing cost taxes, and who handles the closing.
Federal rules that apply to every home equity loan and HELOC
Home equity loans and HELOCs secured by your main home carry federal protections on top of anything your state adds. For a HELOC, the lender must give you the HELOC disclosure and the CFPB home equity brochure when you apply and cannot charge a nonrefundable fee until three business days later; the rate must follow a public index the lender does not control, and the lender can freeze or cut the line only for specific reasons such as a significant drop in the home's value or a material change in your finances. For both home equity loans and HELOCs you have until midnight of the third business day after closing to cancel for any reason and get your fees back. A loan is a high cost mortgage under HOEPA if its APR is more than 6.5 percentage points above the average prime offer rate for a first lien (8.5 points for a second lien) or if points and fees exceed 5 percent; high cost loans require counseling and cannot carry balloon payments or prepayment penalties. Since 2018, interest on a home equity loan or HELOC is deductible only if the money is used to buy, build, or substantially improve the home that secures it, and only within the $750,000 total acquisition debt cap. Flood insurance is required on any home equity loan or HELOC from a federally regulated lender if the home sits in a FEMA flood hazard area.
Sources
- Sacks Tierney: Arizona Anti-Deficiency Laws
- A.R.S. 33-814 (FindLaw)
- A.R.S. 11-1132 Real estate transfer fee (Justia)
- A.R.S. 6-1705 Reverse mortgage prepayment (Justia)
- A.R.S. 12-1282 Time for redemption (Arizona Legislature)
- CFPB: Right of rescission
- Regulation Z section 1026.40 (HELOC rules)
- Regulation Z section 1026.32 (HOEPA)
- Federal Register: 2026 Regulation Z threshold adjustments
- IRS Publication 936, Home Mortgage Interest Deduction
- FHFA 2026 conforming loan limits
- CFPB: Servicemembers Civil Relief Act
- 12 CFR Part 339 (flood insurance)
Star Valley, Arizona Home Equity Loan Calculator
Estimate how much you could borrow against your home, and what the monthly payment on a fixed-rate home equity loan would look like. The home value below is prefilled with the local median from the U.S. Census Bureau — change it to your own home's value, and adjust any other field to see the numbers update.
1. How Much Can You Borrow?
2. Estimated Monthly Payment
Defaults to your estimated borrowing limit — edit to model a smaller loan.
Estimates only. Borrowing power assumes lenders allow up to the selected combined loan-to-value ratio; actual limits, rates, and approval depend on your credit profile, income, and the lender's underwriting. The payment figure is for a fixed-rate home equity loan with standard amortization — HELOC payments are typically interest-only during the draw period and vary with the prime rate, so they are not modeled here. This is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Star Valley, Arizona home equity loan and HELOC rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners, including the iCanBuy home equity offers widget shown above. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Home Equity Rate Data: We aggregate home equity loan and HELOC rates for Star Valley, Arizona directly from the official websites of local lenders, credit unions, and national institutions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home equity products in Star Valley, Arizona. We feature a comprehensive mix of licensed NMLS financial institutions, from neighborhood credit unions and competitive regional banks to large national lenders accepting applications from Arizona borrowers.
Local-First Sorting: Rate tables on city pages list institutions with physical branches in the city first, followed by statewide institutions, then national lenders, regardless of APR. This intentional ordering helps homeowners find lenders they can walk into for an in-person closing, since home equity products often involve appraisal, notarization, and other steps that benefit from a local relationship.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update home equity rates daily. Because HELOC rates move with the prime rate and the broader market, every product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data, including the Texas Ratio, ensuring you compare rates from secure, reliable lenders.
Home Equity Basics for Star Valley, Arizona Homeowners
Home equity is the share of a property the owner truly owns: the home's current market value minus the balance still owed on the mortgage. For a Star Valley, Arizona homeowner, it grows as the mortgage is paid down and as the property appreciates. Lenders let homeowners borrow against this equity, using the home as collateral, which is why home equity products generally carry lower rates than credit cards or unsecured personal loans.
Home Equity Loan vs. HELOC in Star Valley, Arizona
A home equity loan advances a lump sum at a fixed rate, repaid in equal installments over a set term, useful for a one-time expense with a known cost. For example, District #6 Federal Credit Union is listing its Home Equity Loans - 10-Year Fixed Rate at 4.50%. A home equity line of credit (HELOC) works more like a credit card: a revolving credit limit the borrower can draw from as needed during a draw period, usually at a variable rate. On the line-of-credit side, First Interstate Bank is listing its Home Equity HELOC Special Offer at 5.24%. For Star Valley, Arizona borrowers, a loan offers payment certainty, while a HELOC offers flexibility for ongoing or uncertain costs.
How Much Star Valley, Arizona Homeowners Can Borrow
Most lenders allow borrowing up to a combined loan-to-value ratio of 80 to 85 percent, meaning the mortgage balance plus the new home equity debt cannot exceed that share of the home's value. For a Star Valley, Arizona homeowner, the exact amount available also depends on credit score, income, and the lender's policies. Because the borrowing limit is tied to current value, an appraisal is typically part of the approval process.
How Star Valley, Arizona Home Equity Rates Are Set
HELOC rates are usually variable and tied to the prime rate, so they move when the Federal Reserve changes short-term rates, while home equity loan rates are typically fixed and priced off longer-term benchmarks. On top of that market baseline, the rate a Star Valley, Arizona borrower receives reflects credit score, combined loan-to-value ratio, and loan amount, so stronger credit and more equity generally earn a lower rate. A borrower’s final rate is set once an application is underwritten.
Risks for Star Valley, Arizona Borrowers to Weigh
Because the home secures the debt, falling behind on payments can ultimately put the property at risk, so home equity borrowing is best reserved for purposes that preserve or build value, such as renovations or consolidating higher-rate debt. For Star Valley, Arizona borrowers, variable-rate HELOCs also carry the risk that payments rise if rates climb, and some lines shift from interest-only payments to full repayment after the draw period ends. Understanding the repayment structure before borrowing helps avoid payment shock later.
Frequently Asked Questions about Home Equity & HELOC Rates in Star Valley, Arizona
What is the difference between a home equity loan and a HELOC in Arizona?
How much equity do I need to qualify for a HELOC or home equity loan?
What credit score do I need for a home equity loan in Arizona?
Are HELOC interest payments tax-deductible?
What is the current prime rate and how does it affect my HELOC?
What is a HELOC draw period?
Can I use a home equity loan or HELOC for debt consolidation?
Are there closing costs on a home equity loan or HELOC?
Should I get a HELOC or a home equity loan?
Can I refinance my HELOC into a fixed-rate home equity loan in Arizona?
How do I compare home equity and HELOC lenders in Star Valley, Arizona?
How do I get home equity loan and HELOC quotes in Star Valley, Arizona?
How much equity could a homeowner in Star Valley, Arizona have?
What is a typical home equity loan amount in Star Valley, Arizona?
Can households in Star Valley, Arizona afford a home equity loan payment?
How do property taxes in Star Valley, Arizona affect home equity borrowing?
What percentage of homeowners in Star Valley, Arizona have a mortgage they could tap for equity?
Does Arizona have special rules for home equity loans and HELOCs?
Can I cancel a home equity loan or HELOC after closing in Arizona?
Can a Arizona lender charge a prepayment penalty on a home equity loan?
What are the best home equity rates in Star Valley, Arizona?
- District #6 Federal Credit Union: 4.50% (Home Equity Loans - 10-Year Fixed Rate)
- Banner Federal Credit Union: 4.50% (Home Equity / Second Mortgage)
- Farmers Insurance Federal Credit Union: 4.99% (Home Equity Loan)
- First Credit Union: 4.99% (Home Equity)
- Blue Water Federal Credit Union: 5.125% (Home Equity)
Star Valley, Arizona Rates & Resources
