Hawaii State FCU’s Supervisory Committee is conducting a routine verification of member accounts. Click here for more information.

HELOC Calculators

Take advantage of your home’s equity to pay off debt, make a major purchase or lower your monthly payments. Use our free calculators to see if a HELOC is right for you.

Up to 80% LTV, fee-simple, owner-occupied property*


APR as low as


1-year Intro Rate

APR as low as



2-year Intro Rate

APR as low as



3-year Intro Rate

APR as low as



4-year Intro Rate

APR as low as



5-year Intro Rate

APR as low as



Current Variable Index Rate

APR as low as

3.75%*** up to $250,000 credit line


Click here to view all HELOC rates.

Send Us Your Questions about HELOC

Let us know what loan you are interested in and how we can help you.

  • Name * Required
  • Required * Required
  • This field is for validation purposes and should be left unchanged.

We’re here to help you achieve your financial goals. Here are more online tools to help manage your money.

Laptop with Hawaii State FCU logo and Free Educational Seminars text


Boost your financial knowledge by attending a free seminar in your neighborhood.

Sign up today >>

Hawaii State FCU Wallet Wisdom Logo


Find tips on saving money for a vacation, improving your credit score and much more.

View blogs >>

Laptop with multiple free online courses displayed on the screen


Check out our wide range of free, short interactive e-learning tutorials.

Start this course >>

See HELOC Options

Third Party Site Disclaimer

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members. Please review the terms and conditions of use carefully. Such services and products are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services or products. Alternative services and products may be obtained from other providers of your choice. External websites are not under our control and may have different policies and security. Using the links may identify you as a Hawaii State FCU member to the external website operator.

Click “ACCEPT” to enter an external website. Click “Cancel” to return to HSFCU’s website.

Please remember to log off of Online Banking and Mobile Banking before going to any external website

Cancel Accept