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Pearl Hawaii Credit Union
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HELOC Special

Home Equity Line of Credit

Make your equity work for you!

Consolidate debt, fix up your home, take a vacation- whatever you need! Pearl Hawaii offers affordable rates and flexible financing options. Better yet, the interest you pay may be tax deductible (Consult your tax advisor for your personal situation).



  • 80% Loan-to-Value Intro Rate: 1.75% APR*


  • 80% Loan-to-Value Intro Rate: 2.00% APR*


  • 80% Loan-to-Value Rate: 4.00% APR*


This variable rate line-of-credit provides homeowners with the opportunity to use the equity in their primary residence to obtain a credit limit of up to $300,000 (subject to the loan-to-value ratio, not exceeding 80% or 90%). The convenience of writing checks is available.

Initial advance of $10,000, no annual fees.

  • **LTV – Loan to Value. The Introductory Annual Percentage Rate (APR) of 1.75% will be effective for the first 24 or 2.00% for the first 36 months from the date your new Home Equity Line Of Credit (HELOC) account is opened (the “Introductory Period”). The offer is valid for qualifying applications to new Home Equity Lines of Credit. Other conditions and restrictions may apply. Any existing junior liens from financial institutions other than PHFCU must be paid off. They may be paid by an initial draw from the new Home Equity Line of Credit account. Visit any of our branches for more information. Cannot be used for a business loan. The borrower must be 18 years of age or older.  Promotion is subject to change or cancellation without prior notice.  Only improved owner-occupant properties on Oahu accepted as collateral.

    You must maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property that secures your Home Equity Line of Credit Agreement. Pearl Hawaii Federal Credit Union must be a loss payee on your Home Insurance policy. There are no points, pre-payment penalties, or annual fees. Closing Cost Fees that may be incurred: title insurance fee, document preparation fee, SRA\appraisal fee, appraisal review fee, trust review fee, recording fees, application fee, or flood verification fee.  Closing cost fees incurred will be dependent on the amount borrowed and will vary based on the member’s situation.  The total HELOC loan amount received, rate, and terms are subject to credit approval.


    Payment example based on $10,000- 1.75% Introductory Rate is 24 payments of $100.00, 2.00% is 36 payments of $100.00. After the Introductory Period, the rate will adjust to the standard annual-adjustable interest rate in accordance with your Home Equity Credit Agreement. The current non-introductory fully indexed variable APR is 4.00% for 80% Loan-To-Value; rate applicable 4/1/2021 through 3/31/2022. Thereafter, the Annual Adjustable Rate will adjust in accordance with the terms of your Credit Agreement, and in no event shall the APR be less than 4.00% or greater than 18.00%. Max Loan Amount up to $300,000. 121 payments of $100.00 and 1 estimated final payment of $85.11.

    Payment examples does not include possible fees, insurance, or closing costs that may occur and will range dependent on your situation. For the introductory rate, the initial advance must be $10,000 or more. For the Current Variable Annual Rate, the initial advance must be $1000 or more.

    NMLS# 472169. Equal Housing Lender. Federally insured by NCUA.