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 More possibilities for your home with CU Hawaii's HELOC

With our Home Equity Line of Credit, you can use it for almost anything — from paying bills or tuition, to finally getting that new roof done. No closing costs and the lowest introductory rates on the island!

1 Year
0.75% APR*

2 Years
1.375% APR*

3 Years
2.00% APR*

4 Years
2.50% APR*

5 Years
3.00% APR*

We'll be with you every step of the way.


*APR = Annual Percentage Rate. After the introductory rate, new APR based on 6-month constant maturity T-bill index plus 3% rounded up to the nearest .25%. Current index as of March 19, 2021 is .03. Maximum increase or decrease is 2%. Floor rate is 4.5% and ceiling rate is 18%. Prior 15 year historical high was 8.25%.

Maximum loan limit at $300,000 with 80% CLTV. Minimum draw at closing is $10,000. Draw period term is 10 years and 20 year amortization. $10,000, 20 years at 4.5% estimated at $63.29 prinicipal and interest. $100 minimum monthly payment due.

Closing costs estimated up to $1,500 absorbed by CU Hawaii. Reimbursement of closing costs if HELOC is closed within 3 years from origination.

Other restrictions apply. Equal Housing Lender. Federally insured by NCUA.