More time spent at home requires more home.

A HELOC from HCFCU can help with all your home expansion needs.
Flexible terms
No payments until you use
Credit lines up to $500,000*
Rates as low as 7.749% APR.
*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. Minimum credit line is $10,000. The maximum credit line is $500,000. No closing cost offer valid for applications received between January 14, 2023 and March 31, 2023 and may change at any time without notice. An initial draw of at least $25,000 is required. Only fee simple, owner occupied improved residential property in Hawaii is accepted as collateral up to 80% loan-to-value. Property insurance is required. There is no transaction or other activity charges. Membership in this 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.