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Home Equity Line of Credit

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Happy family of five.

Put the equity in your home to work for you with an affordable and flexible Home Equity Line of Credit1. Use the money for a home remodel, vacation, wedding or to pay off high-interest debt. You can even keep it on hand for emergencies.

Our fixed-rate option allows you lock all or a portion of your line of credit balance with a fixed interest rate. Choose between 3, 5, 7, 10, 15 and 20 year terms.

80% Loan-to-Value HELOC

Minimum line of $20,000. Maximum line of the lesser of $250,000 or 80% loan-to-value minus the balance of your existing mortgage.

90% Loan-to-Value HELOC

Minimum line of $20,000. Maximum line of the lesser of $200,000 or 90% loan-to-value minus the balance of your existing mortgage.

95% Loan-to-Value HELOC

Minimum line of $20,000. Maximum line of the lesser of $150,000 or 95% loan-to-value minus the balance of your existing mortgage.

Jumbo HELOC

Maximum line of the lesser of $500,000 or 80% loan-to-value minus the balance of your existing Hawaii State FCU mortgage, or the lesser of $400,000 or 75% loan-to-value minus the balance of another lender’s mortgage.

Investor HELOC

Minimum line of $20,000. Maximum line of the lesser of $200,000 or 75% loan-to-value minus the balance of your existing mortgage.

Leasehold HELOC

Minimum line of $20,000. Maximum line of the lesser of $200,000 or 60% loan-to-value minus the balance of your existing mortgage.

Ready to apply for your HELOC

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

Terms

APR as low as

Terms

1 year Intro Rate

APR as low as

0.75%**

Terms

2 year Intro Rate

APR as low as

1.75%**

Terms

3 year Intro Rate

APR as low as

2.75%**

Terms

4 year Intro Rate

APR as low as

3.75%**

Terms

5 year Intro Rate

APR as low as

3.75%**

Terms

Current Variable Index Rate

APR as low as

3.75%*** up to $250,000 credit line

Calculators to help you spend and save smart

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Ready to apply for your HELOC

Start your online application

Apply Online

Stop By One of Our Branches

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Disclosures

1 Only improved residential property in Hawaii is accepted as collateral. Property insurance is required. Membership in the credit union is required. The credit union waives closing costs for certain third-party fees (e.g. real estate evaluation, recordation, documentation, title insurance, escrow, flood determination), estimated between $260 to $2,000 for line amounts up to $250,000. You will be required to pay other closing costs involving trust review, other legal documentation, or appraisal cost, estimated at $250 to $1,950. For line amounts greater than $250,000, the credit union waives closing costs for certain third-party fees (e.g. recordation, documentation, escrow, flood determination) estimated between $50 and $600. You will be required to pay other closing costs for appraisal, title insurance, trust review, or other legal documentation estimated between $1,600 and $3,800. The borrower is required to reimburse the credit union for all waived fees if the credit line account is paid off and closed within three (3) years of its opening.

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