Home Equity Line of Credit

The equity in your home works for you

Use the available equity in your home to finance almost anything

Your equity, your home. Use a Home Equity Line of Credit for a home remodel, education expenses, debt consolidation and so much more.
Flexible terms
No payments until you use
Credit lines up to $500,000*
Rates as low as 7.749% APR.

Welcome home

Our Home Equity Line of Credit provides you with four term options with low rates. Our local loan servicing and low fees help your equity work even harder for you, because you deserve it.

*Minimum credit line is $10,000. The maximum credit line is $500,000. 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. Other terms and conditions apply. Contact us for more information.
Frequently Asked Questions

Phone Numbers

Lost/Stolen VISA®

Mailing Address:

73-5611 Olowalu Street, Kailua-Kona, HI 96740

Hawaii Community Federal Credit Union's routing number is 321379818.

We offer notary serives at all our branches. We recommend you call ahead to schedule an appointment at 808-930-7700.


We all want peace of mind when it comes to keeping our hard-earned money in savings accounts. Your Hawaii Community Federal Credit Union accounts are safe with us and insured by the NCUSIF for up to $250,000. If you need insurance beyond that amount, we'll help you structure your account so you can get additional coverage. Keep in mind our IRA accounts are insured separately up to $250,000, too.


Yes, Hawaii Community Federal Credit Union participates in shared branching. Whenever you're traveling on the mainland, you can still get easy access to your Hawaii Community Federal Credit Union account through our partnership with the CO-OP Network.
Locate a shared branch online or by calling 888-748-3266.

Mobile Banking
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Pay bills, deposit checks, transfer money and more - quickly and easily.
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