Home Equity Line of Credit Promotion

Reward yourself with a new tablet, fee waiver, travel gift certificate, or a fabulous vacation when you make a qualifying initial draw of $25,000 or $50,000 from a new HELOC account opened between July 1, 2014 and September 30, 2014.

View HELOC Rates and Terms

Initial Draw of $25,000 or More2

  • Waiver of third-party closing costs or
  • Gift Certificate from Vacations Hawaii or
  • Apple tablet

Initial Draw of $50,000 or More2

  • Fabulous Trip to Las Vegas for 5 days and 4 nights

Simply write a check from your new HELOC Account, or visit one of our 12 branches.

Put the equity in your home to work and you could be off to Vegas! HawaiiUSA now offers more Home Equity Line of Credit options!


Dreaming of remodeling your home, or going green to save money on utilities? Planning for one of life's most important moments? Use the equity in your home to help you get there.

HawaiiUSA's NEW Home Equity Line of Credit gives you the power of choice, with seven (7) initial fixed-rate options to choose from and some of the most competitive rates in town.

  • Lock in your initial fixed-rate for as low as 0.75% APR* for the first 12 months
  • Initial draw of $25,000 or $50,000 earns a fabulous incentive
  • Loan amounts from $10,000 to $200,000
  • No annual fee, no prepayment penalty, certain lender's fees waived1

* Annual Percentage Rate

1 HOME EQUITY LINE OF CREDIT (“HELOC”): Annual Percentage Rate (APR) as low as 0.75% APR fixed for one year (first 12 months) from the date your new home equity line of credit (HELOC) account is opened (initial fixed-rate term). After the initial fixed-rate term, the interest rate may vary on a quarterly basis on the statement cycle date of February, May, August, and November. The APR will equal the index, which is the weekly average yield on US Treasury Security adjusted to a constant maturity of one year, plus a margin of 2.50%, rounded up to the nearest 0.25%. The current index is 0.16% as of 6/1/2014. The current non-discounted fully indexed variable APR as of 6/1/2014 is 4.25%. The rate cannot increase or decrease more than 1.00% at each quarterly rate adjustment but may exceed that for the single adjustment at the end of a promotional discounted rate period. In no event will the APR be less than 4.25%, the floor rate, nor higher than 18.00% or the maximum permitted by law, whichever is less. HawaiiUSA FCU charges no credit union closing cost; however, you will be required to pay certain fees to third parties at closing that may range from $0 - $1,500. These fees if required include, but are not limited to, title insurance ($125-$300), escrow fees ($200-$500) recording fee ($26-$55), trust review and trust documentation ($155-$400), mortgage or other document preparation fees ($125-$175), and property evaluation ($65-$100). We will use a property evaluation to determine the property value. If the value is not sufficient, an appraisal will be required at your expense with the estimated cost varying from $500 to $1,500 depending on the property. When an initial draw of a minimum $25,000 or more new monies is advanced at opening, certain third party fees may be waived (fees waived include valuation assessment, title insurance, recordation, credit report and flood certification/tracking) when you agree to maintain the account balance less normal minimum monthly payments for a period of six-months from opening. Hawaii properties must be fee simple and owner occupied to qualify. Maximum loan amount is lesser of $200,000 or up to 80% of your home value. Higher LTV programs are available with price adjustments. HELOC has a five-year draw period with a 15-year amortized repayment (principal and interest payment). Minimum monthly payment is $150. You must carry fire, hurricane & flood (if applicable) insurance on the property that secures the credit at homeowners’ expense. No annual fee or prepayment penalty. HawaiiUSA FCU membership is required (minimum $5 share account). Program subject to change or discontinuation without notice.

2 PROMOTION TERMS: Promotional incentives are subject to change and while supplies last. To receive one of the promotional incentives of (i) waiver of third-party closing costs up to $400, (ii) Vacations Hawaii gift certificate valued up to $400, or (iii) Apple Store gift certificate valued up to $400 that can be used to purchase a tablet or other merchandise, an initial draw of at least $25,000 in new monies (disbursements for fees and insurance will be charged at the regular rate) must be advanced at opening. To receive the promotional incentive of a Vacations Hawaii gift certificate for five (5) days and four (4) nights valued up to $699, an initial draw of at least $50,000 in new monies (disbursements for fees and insurance will be charged at the regular rate) must be advanced at opening. For all promotional incentives, you must agree to (i) not close your credit line prior to the first anniversary of the opening date and (ii) maintain the account balance less normal minimum monthly payments for a period of six-months from opening. Offer is valid for applications received between 7/1/2014 through 9/30/2014 that fund by 10/31/2014. HawaiiUSA FCU is not affiliated with the Apple Store or Vacations Hawaii.

Contact Us

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


Personal Loan as low as 4.50% APR

View All Rates & Disclosures

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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