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HELOC Special


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: 2.00% APR*
  • 90% Loan-to-Value Intro Rate: 4.50% APR*


  • 80% Loan-to-Value Intro Rate: 3.00% APR*
  • 90% Loan-to-Value Intro Rate: 5.50% APR*


  • 80% Loan-to-Value Rate: 5.50% APR*
  • 90% Loan-to-Value Rate: 6.25% 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.

  • *The Introductory Annual Percentage Rate (APR) of 2.00% will be effective for the first 24 or 36 months from the date your new Home Equity Line Of Credit (HELOC) account is opened (the “Introductory Period”). Offer is valid for qualifying applications to new Home Equity Lines of Credit. Payment example based on $10,000- 2.00% Introductory Rate is 24 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 5.50% for 80% Loan-To-Value or 6.25% for 90% Loan-to-Value; rate applicable 4/1/2019 through 3/31/2020. 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%. Payment example based on $10,000- Annual Adjustable at 5.50% is 134 payments of $100.00 and 1 estimated final payment of $10.61; 6.25% is 135 payments of $103.00 and 1 estimated final payment of $67.98. The initial advance must be $10,000 or more. Other conditions and restrictions may apply. Any existing junior liens from financial institutions other than PHFCU must be paid off and may be paid by an initial draw from the new Home Equity Line of Credit account. Visit any of our branches for more information. May not be used for a business loan. 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 which secures your Home Equity Line of Credit Agreement. PHFCU must be listed as a loss payee on the Home Insurance policies. 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 amount borrowed and will vary based on member’s situation.  Total HELOC loan amount received, rate, and terms are subject to credit approval.  NMLS# 472169. Equal Housing Lender. Federally insured by NCUA.