HELOC rates as low as 2.50% APR* fixed for 5 years

Current variable rate: 4.00% (up to 80% LTV)



A HELOC can help you reach your 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 support when you need it


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Meet in Branch


Interest-Only Period

Pay interest only for the first 10 years of your HELOC

Fixed Rate

Introductory fixed rate 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 Term Initial Fixed Rate (APR*) Current Variable Rate (APR*)
2 year 1.25%** 4.00%
5 year 2.50%** 4.00%


* 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.

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

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



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