Your Dream Home Starts Here – Tailored Loans with Pearl Hawaii
Flexible mortgages, refinances, and HELOCs built for Hawaii homeowners.
Explore Our Home Loan Options
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*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. Only improved, owner-occupant properties on Oahu are accepted as collateral. Borrower must maintain fire, hurricane, and flood insurance (if property is located in flood hazard zone). Pearl Hawaii Federal Credit Union must be named as loss payee on homeowner’s insurance policy. There are no pre-payment penalties or annual fees. Closing Costs may include, but are not limited to: 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 will vary based on loan amount and member circumstances and are estimated between $200 to $5,000. Payment Example: A $100,000 15-year fixed rate home loan with 2 points is 180 monthly payments (179 payments of $752.28 and 1 estimated payment of $751.32). May not be used for a business loan. The borrower must be 18 years of age or older. Membership required. Visit pearlhawaii.com or any of our branches for more information. NMLS #472169. Federally insured by NCUA. Equal Housing Lender.
Rates
See all rates & terms15-Year Fixed
As low as20-Year Fixed
As low as30-Year Fixed
As low asCalculate Your Payments
Use our interactive calculator to estimate your monthly payments and see how our competitive rates can affect your budget.
Monthly Payment
What Our Members Say
Our family has gone to Pearl Hawaii for our banking needs for many years because, in our experience, they are Oahu’s best bank. We love how innovative they are and they have low auto loan and personal loan rates. Thank you Pearl Hawaii! You guys are awesome!
The staff is always super helpful. Above all, I always appreciate how hard the loan officers work to make sure I get approved for the personal loan that I need.
Take the first step toward your dream home with Pearl Hawaii's easy application process.
HELOC
Home Equity Lines-Of-Credit (HELOC)
With a Home Equity Line of Credit (HELOC), you can use your home’s value to get a much lower rate. It’s perfect if you’ve got an upcoming project, but don’t know exactly how much you’ll want to borrow.
This variable rate line-of-credit provides homeowners with the opportunity to use the equity in their primary residence.
• 80% Loan-to-Value – Credit Lines up to $300,000
• 90% Loan-to-Value – Credit Lines up to $150,000
• Start with an Initial Advance of $1,000
• Great for Home Renovations
Dream a Little Bigger with A HELOC
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).
Home Equity Lines-Of-Credit (HELOC)
A Home Equity Line-of-Credit, known as a HELOC, gives you a revolving credit line to use for large expenses or to consolidate high-interest debt. A HELOC often has a lower interest rate than other types of loans.
Like a Home Equity Loan, you are borrowing against the available equity. As you repay the outstanding balance, the amount of available credit is replenished – much like a credit card. This means you can borrow against it again if you need to and you can borrow as little or as much as you need throughout your draw period up to the approved credit limit. At the end of the draw period, the repayment period begins. Not all Home Equity Lines of Credit are created the same. Some lenders have different draw periods, repayment periods, borrowing limits, and minimum/maximum withdrawal amounts.
HELOC Special Benefits
- Credit lines up to $300,000.
- Great for home renovations.
- The initial advance is $10,000.
- Additionally, there are no annual fees.
- Tax-deductible (Consult your tax advisor for your personal situation).
- Experienced specialists to help you through the application process.
- Overall, great if you want the flexibility to use your funds over time.
What is Home Equity?
Home equity is the appraised value of your home minus any outstanding mortgage and loan balances. Simply, it is the portion of your home that you have paid. For many, it is also a homeowner’s most valuable asset. Additionally, home equity increases without you having to do anything more than pay your regular mortgage payments. Home equity builds over time as you pay down mortgage balances, as the value of your home increases due to renovations, or inflation. Equity in your home is an important asset for homeowners since it can be used to borrow a Home Equity Line of Credit (HELOC).
Whether you want to renovate or consolidate debt, borrowing against the equity could be a good option depending on your situation. Home loans have many similarities, but with important differences.
Why Is Home Equity Important?
Home equity is important because it can be part of your long-term strategy for building wealth. Mortgage payments reduce what you owe while your home gains value. Basically, making payments on your home becomes a forced savings account where you can become equity rich. With the equity, you can apply for loans.
Mortgages
Mortgages
• Conventional, Investment, First Time Buyer
• Several Terms Available
• Competitive Rates
• Experienced Mortgage Specialists
• Pre-Approval for Stress-Free Shopping
• 15 year, 20 Year, and 30 Year Terms Available
Save Time and Money with Pearl Hawaii’s 20 Year Mortgage
If you want to save on interest and pay off your loan quicker, a 20 year mortgage is the way to do it. With low rates, you can pay off your home earlier while saving you a ton of money. Some borrowers choose a 20 year over a 15 year so they can have affordable payments.
Benefits
- Lower interest rate – Interest rates on 20-year loans are usually lower than on 30-year loans
- Borrow up to $1,149,825.
- Affordable monthly payments
- The amortization follows more closely to a 15 year than a 30 year
- Pay off your house quicker
- Stability – You lock in the interest rate on your mortgage for the entire 20-year term since its a fixed rate. This gives you a degree of predictability you won’t have with an adjustable-rate mortgage (ARM)
- Less time before you own your home – Compared to the more common 30-year loan, you’ll shave 10 years off the time it takes to pay off your mortgage and own your home outright. Plus, you will save money on interest during the lifetime of the loan
- Lower total cost of borrowing – Between a lower interest rate and a shorter term, you’ll reduce the total interest you pay over the life of the loan.
Learn if A 20 Year Mortgage Is Right for You
If you still have questions, contact our mortgage loan team to find out how you can get started.
Twenty-year mortgages offer unique benefits that make it an attractive option for refinancing a home. Just like a year fixed-rate mortgage, a 20 year mortgage offers the security of a fixed rate, which means that your payments will be consistent during the lifetime of the loan. When you want professional help to determine whether a 20-year mortgage is the best home loan option for you, our mortgage specialists can help. As a leading mortgage company, we offer a broad range of mortgage programs and can help you compare mortgages and current home mortgage rates to find the right product for your unique financial situation and financial goals.
Programs Available
- 20 Year: First Mortgage
- 20 Year: Second Mortgage
Refinance My Home
Refinance My Home
Refinance Your Home and Save
We’ll help you get you a better deal on your home loan
Does It Make Sense to Refinance?
Deciding if it makes sense to refinance your mortgage and home is always a big decision. Whether you want to lower your monthly payment, get a lower interest rate, shorten your term, or do a cash-out refinance, let Pearl Hawaii help you determine if refinancing can help you meet your goals.
Feel confident at Pearl Hawaii
From the finest service to the latest tech, we've got your back in every possible way. At Pearl Hawaii, we are committed to providing you the most innovative products and services. From home or car loans and helping you with other banking services. Bank at any of our Oahu locations in Waipahu, Ewa Beach, Waianae, Honolulu, Pearl Harbor, or near the Airport. Additionally, you can bank using PHFCUOnline just like one of our branches. To contact us, call us at 808.737.4328, toll-free at 800.987.5583, or email us at MyFamily@phfcu.com.
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Lower Your Interest Rate
It’s not a bad idea to consider refinancing your mortgage when interest rates are low. Depending on the interest rate you are currently paying on your mortgage, you may want to refinance to not only save money and to lower your monthly mortgage payment. -
Lower Your Monthly Mortgage Payment
A cash-out refinance replaces your existing mortgage with a new home loan. Utilizing your existing equity, you can pull out a sum of money. Although you will owe more on your house, you can spend the additional cash-out amount on home improvements, debt consolidation, or other needs. -
Cash-Out Refinance
A cash-out refinance replaces your existing mortgage with a new home loan. Utilizing your existing equity, you can pull out a sum of money. Although you will owe more on your house, you can spend the additional cash-out amount on home improvements, debt consolidation, or other needs. -
Shorten Your Loan Term
Although you may have chosen a 30-year mortgage loan, you may not want to wait that long to own your home. If you want to pay off your mortgage early, you can choose a shorter term like a 20 year mortgage to accomplish your goal.
Rates
Mortgage & Home Loan Rates
| Fixed Rate Term | Rate | Points | APR* As Low As | Term (months) | Payment Example Based on A-Tier rate of $100,000 | Total Payments | Total Interest | |
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| 15 Year First Mortgage Owner Occupied |
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| 15 Year First Mortgage Owner Occupied |
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| 15 Year Second Mortgage Owner Occupied |
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| 15 Year Second Mortgage Owner Occupied |
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| 20 Year First Mortgage Owner Occupied |
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| 20 Year First Mortgage Owner Occupied |
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| 20 Year Second Mortgage Owner Occupied |
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| 20 Year Second Mortgage Owner Occupied |
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| 30 Year Mortgage- Owner Occupied, First Liens |
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| 30 Year Mortgage- Owner Occupied, First Liens |
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Rates effective as of: February 15, 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: $1,149,825.
| Term | APR* As Low As | ||
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| 3 Year |
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| 3 Year |
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*LTV - Loan to Value. The Introductory Annual Percentage Rate (APR) of 4.50% applies for the first 36 months on HELOCs up to 80% LTV (owner-occupied). An introductory APR of 5.50% applies for the first 36 months on Investor HELOCs up to 70%. After the Introductory Period, your rate and payment may increase as it adjust to the standard variable annual-adjustable interest rate in accordance with your Home Equity Credit Agreement. The current non-introductory fully indexed variable APR is 7.25% for 80% LTV and 8.25% for 70% LTV Investor HELOC; rate applicable 9/30/2025 through 3/31/2026. The Current Variable Index Rate shown is current as of 9/30/2025 and will not exceed 18% APR. Total HELOC loan amount received, rate and terms are subject to credit approval. Offer is valid for qualifying applications to new Home Equity Lines of Credit. Only improved properties on Oahu accepted as collateral. Minimum credit line is $5,000 and the maximum credit lines for an 80% LTV Fee-Simple Owner-Occupied Property, the lesser of $400,000 or 80% LTV minus the balance of your existing mortgage (s), for the 70% LTV Fee-Simple Investor property, the lesser of $400,000 or 70% LTV minus the balance of your existing mortgage (s). Refinancing of existing Pearl Hawaii Federal Credit Union Home Equity Lines of Credit is not allowed. Membership required. Borrower must maintain fire, hurricane and flood (if in flood hazard zone) insurance on the property and 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 included: 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 and are estimated between $200 to $5,000. For the introductory rate, the initial advance must be $10,000 or more. For the Current Variable Annual Rate, the initial advance must be $1,000 or more. Other conditions and restrictions may apply. Any existing junior liens from financial institutions other than PHFCU must paid off and may be paid by an initial draw from the new Home Equity Line of Credit account. May not 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. Minimum payment for 36 month term fixed intro rates and for current variable annual rate is $100.00. NMLS#472169. Federally insured by NCUA. Equal Housing Lender. HELOC Early Disclosure.
| Type | APR* As Low As | Based on an A-Tier rate of $10,000 | |
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Rates effective as of: February 15, 2026
*Annual Percentage Rate (APR). 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. It may not 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. 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: application fee, title insurance fee, document preparation fee, SRA\appraisal fee, appraisal review fee, trust review fee, recording fees, flood verification fee. Closing cost fees incurred will be dependent on the amount borrowed and will vary based on the member’s situation. Payment example does not include possible fees, insurance, or closing costs that may occur and will range dependent on your situation. Maximum loan amount: $400,000. The borrower must be 18 years of age or older. NMLS 472169. HELOC Early Disclosure.
20 Year Mortgages
Save Time and Money with Pearl Hawaii’s 20 Year Mortgage
If you want to save on interest and pay off your loan quicker, a 20 year mortgage is the way to do it. With low rates, you can pay off your home earlier while saving you a ton of money. Some borrowers choose a 20 year over a 15 year so they can have affordable payments.
Benefits
- Lower interest rate – Interest rates on 20-year loans are usually lower than on 30-year loans
- Borrow up to $1,149,825.
- Affordable monthly payments
- The amortization follows more closely to a 15 year than a 30 year
- Pay off your house quicker
- Stability – You lock in the interest rate on your mortgage for the entire 20-year term since its a fixed rate. This gives you a degree of predictability you won’t have with an adjustable-rate mortgage (ARM)
- Less time before you own your home – Compared to the more common 30-year loan, you’ll shave 10 years off the time it takes to pay off your mortgage and own your home outright. Plus, you will save money on interest during the lifetime of the loan
- Lower total cost of borrowing – Between a lower interest rate and a shorter term, you’ll reduce the total interest you pay over the life of the loan.
Learn if A 20 Year Mortgage Is Right for You
If you still have questions, contact our mortgage loan team to find out how you can get started.
Twenty-year mortgages offer unique benefits that make it an attractive option for refinancing a home. Just like a year fixed-rate mortgage, a 20 year mortgage offers the security of a fixed rate, which means that your payments will be consistent during the lifetime of the loan. When you want professional help to determine whether a 20-year mortgage is the best home loan option for you, our mortgage specialists can help. As a leading mortgage company, we offer a broad range of mortgage programs and can help you compare mortgages and current home mortgage rates to find the right product for your unique financial situation and financial goals.
Programs Available
- 20 Year: First Mortgage
- 20 Year: Second Mortgage
HELOC Special
Dream a Little Bigger with A HELOC
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).
Home Equity Lines-Of-Credit (HELOC)
A Home Equity Line-of-Credit, known as a HELOC, gives you a revolving credit line to use for large expenses or to consolidate high-interest debt. A HELOC often has a lower interest rate than other types of loans.
Like a Home Equity Loan, you are borrowing against the available equity. As you repay the outstanding balance, the amount of available credit is replenished – much like a credit card. This means you can borrow against it again if you need to and you can borrow as little or as much as you need throughout your draw period up to the approved credit limit. At the end of the draw period, the repayment period begins. Not all Home Equity Lines of Credit are created the same. Some lenders have different draw periods, repayment periods, borrowing limits, and minimum/maximum withdrawal amounts.
HELOC Special Benefits
- Credit lines up to $300,000.
- Great for home renovations.
- The initial advance is $10,000.
- Additionally, there are no annual fees.
- Tax-deductible (Consult your tax advisor for your personal situation).
- Experienced specialists to help you through the application process.
- Overall, great if you want the flexibility to use your funds over time.
What is Home Equity?
Home equity is the appraised value of your home minus any outstanding mortgage and loan balances. Simply, it is the portion of your home that you have paid. For many, it is also a homeowner’s most valuable asset. Additionally, home equity increases without you having to do anything more than pay your regular mortgage payments. Home equity builds over time as you pay down mortgage balances, as the value of your home increases due to renovations, or inflation. Equity in your home is an important asset for homeowners since it can be used to borrow a Home Equity Line of Credit (HELOC).
Whether you want to renovate or consolidate debt, borrowing against the equity could be a good option depending on your situation. Home loans have many similarities, but with important differences.
Why Is Home Equity Important?
Home equity is important because it can be part of your long-term strategy for building wealth. Mortgage payments reduce what you owe while your home gains value. Basically, making payments on your home becomes a forced savings account where you can become equity rich. With the equity, you can apply for loans.
HELOC Fixed Advance
HELOC Fixed Advance
Make Big Things Happen
Whether it’s remodels or college costs, this loan is perfect for large-sized needs.
A Smarter Type of Loan
This is a customizable Home Equity Line of Credit (HELOC) with fixed-rate options. You can use the loan for what you want when you want... and you can even use the fixed-rate option to pay off the Annual Adjustable HELOC. Pearl Hawaii's HELOC Fixed Advance offers a fixed-rate advance option that allows you to lock in some or all of your HELOC balance at a low fixed-rate to potentially save money over time. The balance locked then moves to a term loan with term options of 1, 2, 3, 5, 7, and 15 years. Call our Mortgage Loan Officer at 808.737.4328 or contact our mortgage loan team.
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No annual fees
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Terms available: 1, 2, 3, 5, 7, and 15 years.
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Maintain up to 4 separate loans at a time (1 adjustable rate line-of-credit and 3 fixed rate advances)
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No prepayment penalties
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Initial advance is only $1000
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Subsequent Advances is only $250.00
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It's a term loan (like an auto or personal loan). This means you can set your term and have a consistent monthly payment.
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More predictability
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There is a set payment
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Fully Amortized
Loan Payments
Need to make a Loan Payment?
There Are a Variety of Ways that You Can Make Your Loan Payment
Online
Log into PHFCUOnline and make a transfer into your loan. Easily, make payments by transferring funds from your savings or checking account to your loan accounts through Online and Mobile Banking. You can also set up automatic monthly payments with ease so you won’t have to keep track of due dates and your payments will always arrive on time.
Phone
Call us at 808.737.4328 and make a transfer or pay by Debit or Credit Card (Visa and MasterCard is accepted for a processing fee. You may not pay your Pearl Hawaii loan with a Pearl Hawaii Credit Card).
Send payments to Pearl Hawaii Federal Credit Union, 94-449 Ukee Street, Waipahu, Hawaii 96797.
Visit Us
Visit any Pearl Hawaii location or visit a Shared Branch location.
Automatic Loan Payments
Automatic Loan Payments
Automatic Loan Payments from PHFCU make saving time and money easy!
Don't Miss a Payment Again!
If you have a Pearl Hawaii Federal Credit Union loan or even a loan at another qualifying financial institution, you can sign-up for Automatic Loan Payments to ensure timely and safe payments.
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Make your monthly loan payments through payroll deduction or automatic transfer from your PHFCU checking or savings account.
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Set up Bill Pay on PHFCUOnline to make payments for loans at other institutions.
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Loan payments will be automatically deducted from the account you specify.
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Relax, knowing that your payment is received on time - no more late fees!
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Save money on stamps and envelopes
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Save time - forget about writing out checks and putting them in the mailbox
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Save on potential late fees - Automatic Loan Payments are always on time
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Manage your loan bills on “auto pilot”
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Protect your credit rating by ensuring prompt payments
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Rates effective as of: February 15, 2026
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