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Home Equity Line of Credit

The equity in your home works for you.

  • Flexible terms

  • No payments until you use

  • Credit lines up to $500,000*
Welcome home!

Our Home Equity Line of Credit provides you with several term options with low rates.

Use the available equity in your home to finance almost anything.

Your equity, your home. Use a Home Equity Line of Credit (HELOC) for a home remodel, education expenses, debt consolidation and so much more. Our local loan servicing and low fees help your equity work even harder for you, because you deserve it.

Tap into your home’s equity with lending options from Hawaii Community Federal Credit Union, designed to support your financial goals across Hawaii.

*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. Rates, terms and loan amounts are based on your credit worthiness and are subject to approval. Rates, terms and conditions are subject to change without notice. Other terms and conditions apply. Contact us or visit one of our local branches for more information.

Frequently Asked Questions

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Phone Numbers

Main Number: 808-930-7700, Toll-Free: 800-514-2328        

Lost/Stolen VISA®

During Business Hours: 808-930-7700, After Hours: 800-847-2911  

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 NCUA 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.

Tools to help you reach your goals

Mobile Banking

Bank on your time

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

  • Free to download

  • Bank on your time

  • Turn your device into a digital branch