APPLY TODAY!
Applications may be picked up and submitted at any of our six convenient branch locations.
Unsure if a HELOC is right for YOU? We can help! Call our lending department at
(808) 930-1436 or (808) 930-1437 to set up an appointment today.

*HFS FCU will pay for all necessary closing costs on approved lines, however if the Equity Line is closed within the 5-year draw period, applicant will be responsible for reimbursing credit union for all fees. Estimated closing costs will be between $0 and up to $2000. The HFS Equity Line introductory Annual Percentage Rate (APR) of 0.99% is good for six months and available for creditworthy borrowers on equity lines of 80% loan-to-value or a maximum of $300,000, whichever is less. Minimum credit line is $5000. After the six month introductory period, the APR will be based upon the 3-month Treasury Bill rate plus a margin of 3.50%, rounded up to the next 0.125%, adjusted quarterly with a maximum rate of 18%. The non-introductory fully indexed variable rate is 3.75% as of 07/01/2010. Qualified borrowers will have a 5 year draw period and the loan payment will be amortized over a 20-year period. The property that is used to secure your HFS Equity Line must have valid homeowners insurance including hurricane coverage and be located in the State of Hawaii. Flood insurance is also required for properties located in a flood hazard zone. An initial deposit of $500 is required to defray the initial appraisal expenses. This deposit will be refunded if the line is approved. This offer is available for a limited time only and is subject to change without notice. There are no annual fees.