Home Equity Line of Credit (HELOC)

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Ready to Apply for Your HELOC?

Put the equity in your home to work for you with an affordable and flexible Home Equity Line of Credit. 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 to 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.

Rates | Apply Now >>

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.

Rates | Apply Now >>

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.

Rates | Apply Now >>

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.

Rates | Apply Now >>

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.

Rates | Apply Now >>

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.

Rates | Apply Now >>


Ready to apply for your HELOC and need more assistance?

Schedule an appointment online at one of our branches.

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

Terms

APR as low as

Terms

1-year Intro Rate

APR as low as

0.95%**

Terms

2-year Intro Rate

APR as low as

1.75%**

Terms

3-year Intro Rate

APR as low as

2.50%**

Terms

4-year Intro Rate

APR as low as

3.25%**

Terms

5-year Intro Rate

APR as low as

3.50%**

Terms

Current Variable Index Rate

APR as low as

3.75%*** up to $250,000 credit line

HELOC calculators to help you spend and save smart

Send us your questions about HELOC

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

Note: This is only available to Hawaii residents or existing Hawaii State FCU members.

 

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Ready to apply for your HELOC?

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