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 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

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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

5.00%*** up to $250,000 credit line

Calculators to help you spend and save smart

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Ready to apply for your HELOC

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