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Rates effective as of: June 17, 2026

*Annual Percentage Rate (APR). Rates are subject to change without prior notice. The loan rates advertised are “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Other rates and terms are available. Other terms, conditions, and restrictions may apply. Visit any of our branches for more information. May not be used for a business loan. The borrower must be 18 years of age or older.

NMLS 472169. HELOC Early Disclosure. Promotion is subject to change or cancellation without prior notice. Only improved residential properties on Oahu are accepted as collateral.

Payment examples do not include possible fees, insurance, or closing costs that may occur and will range dependent on your situation.

FEES
There are no pre-payment penalties or annual fees. Fees that may be incurred: application fee, title insurance fee, document preparation fee, SRA\appraisal fee, tax verification fee, trust review fee, recording fees, or flood verification fee.

Closing cost fees incurred will be dependent on the amount borrowed and will vary based on the member’s situation. Average Closing Cost: $800.00-$1500.00 and may vary dependent on the personal financial situation. You must maintain broad form hazard insurance on the property, listing PHFCU as a loss payee.

Maximum loan amount: $1,249,125.

Rates effective as of: June 17, 2026

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