Fixed-rate mortgages.
Get peace of mind and satisfaction with a fixed-rate first mortgage from the credit union. We offer competitive rates, good incentives and lots of flexibility, including programs with low downs. We also do everything possible to streamline the home-buying process and get your loan approved and funded in a timely manner. If you're in the market for a new house, come see us first and get pre-qualified. Or apply online. Your new home awaits! Call any branch or drop by and see a loan officer for further details.

Adjustable Rate Mortgages.
We offer a number of long-term ARM programs with excellent rates and terms for both fee simple and leasehold properties. These convenient loans come with initial fixed interest rates for specified time periods, making your loan payments more affordable and easier to qualify for. Please apply on-line, call any branch or drop by and see a loan officer for further details.

Home equity line-of-credit loans.
Use this revolving line of credit secured by the equity in your home to borrow on as you need to. Use it for major purchases including a new car, home remodeling, college expenses, a much-needed vacation or bill consolidation.

Our home equity loans offer an ample draw period and repayment term as well as lower interest rates than most competing home equity programs. (Interest may be tax-deductible, consult your tax advisor.) Extended loan terms make our payments extremely affordable, while our no-prepayment penalty feature allows you to pay down the debt at no additional cost to you.

Apply online, call any branch or drop by and see a loan officer for further details.

Balloon Loans.
Our balloon loan financing for first mortgage loans offer you low interest rates with a very long amortization period, giving you extremely affordable financing options.

Construction Loans.
We can help you build your dream home with our construction financing. Our construction loans are interest-only, short-term (one-year) balloon payment loans that finance the construction phase of your primary residence. We automatically pre-qualify you for permanent loan financing at the time of the application, saving you time and money later on. The benefits: You don’t need to re-apply for permanent financing upon completion, and you are only required to pay one set of closing costs.

Apply online, call any branch or drop by and see a loan officer for further details. We're here to help you build upon your dreams.

Condominium and Multi-Dwelling Loans.
Several financing options are available for these specialized residences. Apply online, call any branch or stop by any of our conveniently located branches for more information. Call any branch or drop by and see a loan officer for further details.

Loans for vacant land.
Competitive rates are available for improved and unimproved property. Also, you can prequalify for a construction loan with the vacant land loan. Apply online, call any branch or drop by and see a loan officer for further details. Whatever your real estate financing needs, you'll find that working with the credit union on your financing will be an efficient and streamlined process. Let our experience go to work for you.

Get help buying your first house: Hawaii Home Ownership Center
We all know how challenging it is for many residents of Hawaii to purchase their own homes. We want to help our members become successful homeowners and that’s why the Home Ownership Center, a non-profit organization, has now opened a desk at our Kaloko branch. The Center provides education and counseling to create successful, first-time homeowners.  The mission of the Center focuses on creating stronger families and communities by addressing barriers and creating informed homebuyers to increase rates of successful homeownership throughout the state of Hawaii.  Currently, the Center operates on the islands of Oahu, Kauai and Hawaii, with plans to open an office on Maui. Hana Hill serves as a Homebuyer Counselor for the West Hawaii area. Those interested in using the Center’s services must attend a free, one-hour orientation before becoming a member of the organization. To register for the next orientation session call toll free 877-523-9503 or visit www.hihomeownership.org.