*Special Introductory Annual Percentage Rate (APR) of 5.49% is fixed for first 24 months from time of closing; OR Special Introductory Annual Percentage Rate (APR) of 5.74% is fixed for first 36 months from the time of closing; and are valid for new home equity line of credit (HELOC) applications. After the introductory fixed rate period of 24 months or 36 months, the rate is variable and is currently 7.68% APR until 2/28/2026. After 2/28/2026, the APR may vary annually and will be equal to the 26-week Treasury, plus a margin of 3.50%. Maximum APR is 18.00%. **Promotion is up to 80% Loan-to-Value financing and applies to Owner-Occupied Properties only. For this promotion, the minimum initial draw is $25,000, or a full draw of the credit limit if your credit limit is less than $25,000, and must be open a minimum of 6 months from the effective date of the loan. No refinancing of an existing Lōkahi FCU (formerly Hickam FCU) HELOC that is currently in a promotional introductory rate period. Lōkahi FCU members with existing HELOCs whose original 6-year draw period has expired or will be expiring within the next 6 months from the application date will be eligible to refinance the existing HELOC with a new Lōkahi FCU HELOC at the current promotional introductory rate. This includes any Lōkahi FCU HELOC in repayment. Active applications originated prior to 5/1/2025 must be closed by 6/30/2025. Applications originated from 5/1/2025 through 7/31/2025 must be closed by 9/30/2025. This new loan is subject to a new application, normal underwriting and credit approval, new mortgage, and closing costs. The home equity line must be secured by improved fee-simple property located in the state of Hawaii. Property insurance required. Closing costs including appraisal costs, trust reviews and other third party fees estimated between $300 and $1,800 may apply. Minimum and maximum line amounts are $10,000 and $400,000, respectively. All loans are subject to qualifications and approval. Certain terms and conditions apply. Rates, term and conditions are subject to change without notice. Lōkahi FCU membership required. Offer effective 5/1/2025 through 7/31/2025.
Learn more about Home Equity Lines of Credit: Consumer Financial Protection Bureau's
"What You Should Know About Home Equity Lines of Credit"
* Tax deductible interest may vary, so check with your tax advisor first for specific home equity tax deduction guidelines.
Investor home equity lines of credit are also available. Please contact us for more information. NMLS# 421418.
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