Home Equity Line of Credit (HELOC)

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Current Intro Annual Percentage Rate (APR)
7.50% APR*
2-year Intro Rate

Current Variable Annual Percentage Rate
8.25% APR**

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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 HELOC 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.


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HELOC calculators to help you spend and save smart

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* The 2-year, 3-year, 4-year, and 5-year HELOC Introductory Rates are valid for applications received commencing 4/1/2024 and may change at any time without notice. Automatic payments from a Hawaii State FCU checking account are required. Otherwise, the applicable Current Variable Index Rate will apply. After the Introductory period expires, your rate will vary and the applicable Current Variable Index Rate will apply. If you elect the 2-year, 3-year, 4-year, or 5-year Introductory Rate, it will remain in effect until expiration of the Introductory Rate period.

** The Current Variable Index Rate is based on the Prime Rate plus a margin. Your margin will depend on your property and creditworthiness. The Current Variable Index Rate shown is current as of 4/1/2024 and will not exceed 18% APR. The minimum Current Variable Index Rate is 3.75% for 80% LTV Fee-Simple Owner-Occupied Property up to $400,000 line amount.

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 $540 to $1,795 for line amounts up to $400,000. You will be required to pay other closing costs involving trust review, other legal documentation, or appraisal cost, estimated at $750 to $3,940. 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.
Rates, terms, and conditions are subject to change without notice. Other terms and conditions apply. Speak to a credit union representative for more information. NMLS# 405316

Equal Housing Lender
Federally insured by NCUA

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