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, 20, 25 and 30 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 $225,000 for purchase and $200,000 for refinance or 95% loan-to-value minus the balance of your existing mortgage.
Jumbo HELOC
Minimum line of $250,000. Maximum line of the lesser of $1,000,000 or 80% loan-to-value when the Jumbo HELOC is secured as a 1st lien; $500,000 or 80% loan-to-value minus the balance of your existing Hawaii State FCU mortgage; $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.
Ready to apply for your HELOC and need more assistance?
Schedule an appointment online at one of our branches.
Terms |
APR as low as |
---|---|
Terms 2-year Intro Rate |
APR as low as 5.50%** |
Terms 3-year Intro Rate |
APR as low as 5.99%** |
Terms 4-year Intro Rate |
APR as low as 5.99%** |
Terms 5-year Intro Rate |
APR as low as 5.99%** |
Terms Current Variable Index Rate |
APR as low as 8.00% *** up to $250,000 credit line |
HELOC calculators to help you spend and save smart
Ready to apply for your HELOC?
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