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Home Equity Line of Credit

Let's turn your home into tomorrow's possibilities, together.

*Special Introductory Annual Percentage Rate (APR) of 4.99% is fixed for first 24 months from time of closing; or Special Introductory Annual Percentage Rate (APR) of 5.24% is fixed for first 36 months from the time of closing; or Special Introductory Annual Percentage Rate (APR) of 5.49% is fixed for first 60 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, 36 months or 60 months, the rate is variable and is currently 7.025% APR until 2/28/2027. After 2/28/2027, 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 are in their repayment period will be eligible to refinance the existing HELOC with a new Lōkahi FCU HELOC at the current promotional introductory rate. New applications must be closed within 60 days from the application origination date. 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 4/1/2026 through 6/30/2026.



 

Home Equity Line of Credit (HELOC) for All of Oʻahu

Up to 100% loan-to-value available for qualified borrowers.

Put your home’s equity to work on your schedule. A Home Equity Line of Credit (HELOC) gives you flexible access to funds for home improvements, education costs, and other major expenses.

Borrow what you need, when you need it, up to your approved credit limit, and pay interest only on the amount you use.

Is a HELOC Right For You?

A HELOC can be a smart option when you want flexibility, especially for projects where expenses come in phases. Instead of taking a one-time lump sum, a HELOC lets you access funds as needed, up to your approved limit.

Common ways members use a HELOC include:

  • Home renovation and repair projects
  • Tuition and education expenses
  • Large planned purchases or one-time needs
  • Unexpected expenses

Lōkahi FCU HELOC Features

Here's what members across Oʻahu enjoy about their Lōkahi FCU HELOC:

  • No annual fee.
  • Lines from $10,000 to $400,000, subject to approval.
  • Up to 100% loan-to-value available for qualified borrowers.
  • Flexible access to funds. Borrow what you need when you need it, up to your approved credit limit.
  • Fast and convenient application processing from a local team you know and trust.
  • Investor home equity lines of credit are available for non-owner-occupied properties.

NMLS# 421418

Resources

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.

Features

  • Up to 100% loan to value puts more money in your pocket.
  • Minimum and maximum line amounts are $10,000 and $400,000, respectively.
  • Fast and convenient qualifying.

Investor home equity lines of credit are also available. Please contact us for more information. NMLS# 421418.

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