HELOC interest rates as low as 4.25% APR* fixed for 5 years

Current variable rate: 8.00% (up to 80% LTV)


A Home Equity Line of Credit (HELOC) can help you reach your financial goals. What are yours?


“I can conquer debt”

If debt payments feel out of control, a HELOC can help you conquer them


“We’re gonna need a bigger house”

For a growing family or changing needs

“Mom, dad… I got in!”

A higher education comes with a higher price tag. A HELOC can help.



Low fees keep you in control of your budget




Payments that work with the ups and downs of life




Applying is quick and easy, with personalized loan support when you need it


Apply now

Meet in branch


Interest-Only Period

Pay interest only for the first 10 years of your HELOC

Fixed Rate

Introductory fixed rate APR for the first 2 or 5 years*

Repay later

After the interest-only period, you have up to 20 years to repay the balance

Revolving loan

During the initial draw period, you can make advances, repay, and advance again as needed



Initial Fixed HELOC Term Initial Fixed Interest Rate (APR*) Current Variable Interest Rate (APR*)
2 year HELOC 3.50%**** 8.00%
5 year HELOC 4.25%**** 8.00%


**** An additional .250% rate discount applies to the initial fixed rate for lines in 1st lien position.


* After the Initial Fixed Term, the annual percentage rate will be based on the value of an index plus a margin. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal. The annual percentage rate may vary on a quarterly basis with a maximum of 18.00% or the maximum permitted by law, whichever is less.

You must pay certain fees to open the plan. These fees generally total between $400.00 and $1,400.00. There is no annual fee or prepayment penalty.

You must carry insurance on the property securing the plan. If the property is located in a Special Flood Hazard area we will require you to obtain flood insurance.

HawaiiUSA Membership is required.



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How to get started:

  1. Calculate your home's equity
  2. Tell us about yourself
  3. Complete your application


All calculators and tools are supplied as a courtesy only. HawaiiUSA Federal Credit Union is not responsible for the accuracy or completeness of information that you provide or information generated by the calculators. Please check your records carefully before inputting your information into the calculators or tools. All projected rates and results are estimates, are examples only, and are necessarily hypothetical in nature. No results are guaranteed. The output of the tools and calculators may vary with each use and over time. Please remember that the calculators and tools are not intended to replace the advice of qualified professionals, and you should consult with a qualified professional of your choice whenever specific advice is necessary or appropriate.



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