Home Equity Line of Credit (HELOC)

Apply Now

Cool Down This Summer With Our HELOC Special Rates!

Two-Year Intro Rate
6.75% APR*

Current Variable Index Rate
8.25% APR**

See More Rates and Terms


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.

 

Apply Now      Schedule an Appointment


HELOC calculators to help you spend and save smart


Ready to apply for your HELOC?

Start your online application

Apply Online

Schedule an appointment at one of our branches.

Schedule an appointment
Disclosures

*The 2-year HELOC introductory rate is valid for applications received commencing 7/1/2024 and may change without notice. The introductory rate is based on your creditworthiness and requires automatic payments from a HSFCU checking account.

After the introductory rate expires, your rate will vary and the applicable Current Variable Index Rate based on your creditworthiness will apply. This introductory rate offer applies to new HELOCs. If you elect the 2-year introductory rate, it will remain in effect until expiration of the introductory 2-year period.

** The Current Variable Index Rates are based on the Prime Rate plus a margin. Your margin will depend on your creditworthiness and the line of credit amount. The Current Variable Index Rates shown are current as of 7/1/2024 and will not exceed 18% APR. There is no transaction or other activity charge.

For lines between $20,000 and $400,000, the offer applies to fee simple primary residences or second home properties. The Current Variable Index Rate has a minimum 3.75% APR. The Loan-To-Value (LTV) ratio may be as high as 80% (minus the balance of your existing mortgage). HSFCU waives closing costs for certain third-party fees (e.g., real estate evaluation, recordation, documentation, title insurance, escrow, and flood determination), estimated between $540 and $1,795. You will be required to pay other closing costs involving trust review, other legal documentation, and appraisal cost, estimated between $750 and $3,940. Lines of credit in excess of $400,000 or with higher LTV ratios are available at different rates and terms. Inquire for rates and terms details.

Only improved residential property in Hawaii is accepted as collateral. You are required to reimburse HSFCU for all waived fees if the credit line account is paid off and closed within three (3) years of its opening. Property insurance is required.

Rates, terms and conditions are subject to change without notice. Other terms and conditions apply. Speak to a HSFCU representative for more information. Available to Hawaii residents only. HSFCU membership is required. Free membership options are available. Contact us for eligibility.

Equal Housing Lender
Federally insured by NCUA

Third Party Site Disclaimer

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members, for enrollment in Hawaii State FCU financial education webinars, or other purposes. Please review the terms and conditions of use carefully. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services, products, or contents. External websites are not under our control and may have different security, privacy and other. Using the links may identify you as a Hawaii State FCU member to the external website operator.  Services and products from third parties are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund.  Alternative services and products may be obtained from other providers of your choice.

Click “ACCEPT” to enter an external website. Click “Cancel” to return to HSFCU’s website.

Please remember to log off of Online Banking and Mobile Banking before going to any external website.

Cancel Accept