Home Equity Line of Credit (HELOC)

Apply Now
Happy family of five.

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.

HELOC 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.

HELOC Rates | Apply Now >>

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.

HELOC Rates | Apply Now >>

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.

HELOC 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.

HELOC 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

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?

Start your online application

Apply Online

Schedule an appointment at one of our branches.

Schedule an appointment
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