Loans

Home Equity Line of Credit (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.

AS LOW AS

6.50%**

APR

2-year Intro Rate

View disclosures

Home Equity Line of Credit (HELOC)

Rates & Disclosures

HELOC Up to 80% LTV, fee-simple, owner-occupied property

Terms	APR as low as
2-year Intro Rate	6.50%**
3-year Intro Rate	6.75%**
4-year Intro Rate	6.99%**
5-year Intro Rate	6.99%**
Current Variable Index Rate	7.75%*** up to $400,000 credit line

* The minimum credit line is $20,000 and the maximum credit lines for an 80% LTV Fee-Simple Owner-Occupied Property, the lesser of $400,000 or 80% LTV minus the balance of your existing mortgage. Must be a Hawaii resident.

** The 2-year, 3-year, 4-year, and 5-year HELOC Introductory Rates are valid for applications received commencing 11/01/2024 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 creditworthiness. The Current Variable Index Rate shown is current as of 11/01/2024 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

Up to 90% LTV, fee-simple, owner-occupied, primary residence

Terms	APR as low as
Current Variable Index Rate	8.50%

* The minimum credit line is $20,000 and the maximum credit lines for a 90% LTV Fee- Simple Owner-Occupied Property, the lesser of $225,000 or 90% LTV minus the balance of your existing mortgage. Must be a Hawaii resident.

** The Current Variable Index Rate is based on the Prime Rate plus a margin. Your margin will depend on creditworthiness. The Current Variable Index Rate shown is current as of 11/01/2024 and will not exceed 18% APR. The minimum Current Variable Index Rate is 5.25% for 90% LTV Fee-Simple Owner-Occupied Primary Residences. Rates are valid for applications received commencing 11/01/2024 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.

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 $225,000. 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

HELOC Up to 95% LTV, fee-simple, owner-occupied, primary residence

Terms	APR as low as
Current Variable Index Rate	8.75%

* The minimum credit line is $20,000 and the maximum credit lines for a 95% LTV Fee-Simple Owner-Occupied Primary Residence, lesser of $225,000 or 95% LTV minus the balance of your new or existing mortgage. This offer applies to new Home Equity Lines of Credit when your existing mortgage is secured by Hawaii State FCU. Must be a Hawaii resident.

** The Current Variable Index Rate is based on the Prime Rate plus a margin. Your margin will depend on creditworthiness. The Current Variable Index Rate shown is current as of 11/01/2024 and will not exceed 18% APR. The minimum Current Variable Index Rate is 5.25% for 95% LTV Fee-Simple Owner-Occupied Primary Residences subordinated to a new or existing Hawaii State FCU mortgage. Rates are valid for applications received commencing 11/01/2024 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.

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 $225,000. 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

Jumbo HELOC Up to 70% LTV, fee-simple, owner-occupied, primary residence

Terms	APR as low as
2-year Intro Rate	6.75%**
3-year Intro Rate	7.00%**
4-year Intro Rate	7.24%**
5-year Intro Rate	7.24%**
Current Variable Index Rate	8.50% up to $1,000,000 credit line

* The minimum credit line is $400,100 and the maximum credit line for a Jumbo HELOC 70% LTV minus the balance of your existing mortgage for primary residences up to $1,000,000 line amount when secured as 1st lien. Must be a Hawaii resident.

*** The Current Variable Index Rate is based on the Prime Rate plus a margin. Your margin will depend on creditworthiness. The Current Variable Index Rate shown is effective as of 11/01/2024 and will not exceed 18% APR. The minimum Current Variable Index Rate is 4.50% for 70% LTV Jumbo HELOC Fee-Simple Owner-Occupied Primary Residences for line amounts $400,100 or greater.

Only improved residential property in Hawaii is accepted as collateral. Property insurance is required. Membership in the credit union is required. For line amounts greater than $400,100, the credit union waives closing costs for certain third-party fees (e.g., recordation, documentation, escrow, flood determination) estimated between $995 and $1,195. You will be required to pay other closing costs for appraisal, title insurance, trust review, or other legal documentation estimated between $3,750 and $5,700. 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

Investor HELOC Up to 70% LTV, fee-simple, investment property

Terms	APR as low as
2-year Intro Rate	6.75%**
3-year Intro Rate	7.00%**
4-year Intro Rate	7.24%**
5-year Intro Rate	7.24%**
Current Variable Index Rate	8.00%***

* The minimum credit line is $20,000 and the maximum credit lines for a 70% LTV Fee Simple Investment Property, the lesser of $200,000 or 70% LTV minus the balance of your existing mortgage. Must be a Hawaii resident.

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 $200,000. 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