Imagine What's Possible

Limited Time Offer
Local Home Equity Lines of Credit designed for the island.


Locally Managed
Low Rates
Flexible Terms

Low Introductory Rates

1.00% APR*

2.75% APR*

3.75% APR*

4.50% APR*

5.00% APR**

1-Year Intro Rate

3-Year Intro Rate

5-Year Intro Rate

7-Year Intro Rate

Current Variable Rate


Up to 80% LTV with maximum credit lines of $500,000
and no closing costs!***

Options for higher loan-to-value financing also available.

Certain terms and restrictions apply.

Contact us for more details about higher LTV financing.



*APR = Annual Percentage Rate. Minimum credit line is $10,000. The maximum credit line is $500,000. Promotion valid for applications received between February 16, 2021 and March 31, 2021 and may change at any time without notice. An initial draw of at least $25,000 is 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. This offer applies to new Home Equity Lines of Credit. Refinancing of existing HCFCU Home Equity Lines of Credit are not allowed. If you elect the 1-year, 3-year, 5-year or 7-year introductory rate, it will remain in effect until expiration of the introductory rate period. Only improved residential property in Hawaii is accepted as collateral up to 80% loan-to-value. Property must be fee-simple and owner occupied. Property insurance is required. There is no transaction or other activity charges. Membership in the credit union is required. Rates, terms and conditions are subject to change without notice. Other terms and conditions apply. Speak to a credit union representative for more information.

**The Current Variable Index Rate is based on the Weekly Auction High of 3-month U.S. T-Bill plus a margin of 3.50%, subject to a floor of 5.00%. The Current Variable Index Rate shown is current as of January 1, 2021 and will not exceed 15.00% APR.

***An initial draw of at least $25,000 is required. The credit union waives ordinary closing costs for certain third-party fees (e.g. real estate evaluation, recordation, documentation, title search, escrow, flood determination, or appraisal cost), estimated at $900 to $2,500. You will be required to pay the cost of extraordinary items like trust reviews, termite inspections or other legal documentation.