Home Equity Line of Credit- Hawaii USA Federal Credit Union

Home Equity Line of Credit

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Overdraw Protection

Enjoy peace of mind with our Overdraw Protection program that links your checking account from your savings account, line of credit, or Courtesy Pay.

Overdraft Protection

Automatically transfer funds from your savings account to your checking account to cover items presented against an insufficient fund balance. Signing up for this free benefit is quick and simple!


  • Funds are transferred in increments of $100 up to available share balance
  • If share balance is less than $100, the entire balance will transfer
  • Automatic transfers are limited to six per month

Overdraft Line of Credit

When you inadvertently exceed the balance of your checking account, this unsecured revolving credit line provides added security for your transactions while preventing returned item fees.


  • Credit lines available from $300 to $5,000
  • Line advances in $100 increments up to credit line
  • Fixed interest rate
  • No annual fees
  • No pre-payment penalties

Courtesy Pay

Benefit from Courtesy Pay, our overdraw privilege program that provides a safety net for unexpected incidents, unforeseen problems, or oversights.


  • Allows your checking account to be overdrawn up to $5001
  • There is no cost if you never use it2
  • Eliminate merchant NSF fees
  • Covers automatic withdrawal overdrafts from your checking account (i.e. ACH, ATM, EFT debit, etc.)


  • Primary Accountholder is 18 years of age or older
  • All accounts must be in good standing
  • Checking account is more than 60 days old
  • Checking account is brought to a positive end of day available balance at least once every 15 days
  • There are no legal or administrative levies against the account
  • There are no pending bankruptcies or financial counseling agreements
  • Mailing address is current

1 Inclusive of fees. See Schedule of Fees and Charges.

2 The usual insufficient funds fee will be charged per item.

Contact Us

Oahu: (808) 534.4300
Toll-Free: (800) 379.1300

HawaiiUSA FCU For more information, call HawaiiUSA FCU at (808) 534.4300 or toll-free (800) 379.1300, click or visit one of our branches.
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