3 Year HELOC Fixed Intro Rate
CONSOLIDATE | RENOVATE | EDUCATE | CELEBRATE
With Pearl Hawaii’s fixed rate HELOC, get your equity to work. Renovate your home, take a vacation, pay for education, consolidate high-interest debt, cover an emergency, or take care of medical and health care expenses.
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WHAT CAN I USE A FIXED RATE HELOC FOR?
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CONSOLIDATE
Unlike a debt consolidation loan, a fixed-rate HELOC doesn’t limit you to just one withdrawal. You can even take out a fixed-rate advance on the entire HELOC amount, and with the fixed interest rate, you’ll know exactly what your payments will be so you can plan for them.
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RENOVATE
A fixed-rate HELOC can be the perfect answer when you start your next remodeling project. Throughout construction, the interest rates on a variable-rate HELOC could fluctuate, landing you at a higher rate while the renovation is in progress. When it comes to home renovations, converting part of your HELOC to a fixed rate can help your budget.
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EDUCATE
If you have to pay for your or your child’s education, a fixed-rate HELOC can help you pay for the added expense. While using the equity of your home, you can pay down the amount in affordable payments, making it more budget-friendly.
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CELEBRATE
If you have been saving for a large expense like a dream vacation, move, family celebration, or a new car, a fixed-rate HELOC can help cover the costs. Oftentimes, a fixed-rate HELOC tends to be lower than other loan rates, saving you money in the long run.
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UNEXPECTED EMERGENCIES
Disaster often strikes without warning, and when it happens to your health, the expensive medical bills you’re left with could necessitate a loan. An unsecured emergency loan is one option, but a fixed-rate HELOC may be cheaper and easier to pay off.
HOW DOES A FIXED RATE HELOC WORK?
A Home Equity Line of Credit (HELOC) functions as a revolving line of credit secured by your home’s equity. Typically, a HELOC has a variable interest rate, which means the interest you pay can fluctuate with market conditions. A fixed-rate HELOC works a little differently. Because it is a fixed interest rate, your loan is shielded from interest rate hikes.
HOME LOANS | RESOURCES & PRODUCTS
HELPFUL HOME LOAN HINTS
- 30 Year Mortgages | What Are They And How Does It Work?
- Is a 20 Year Mortgage Right For you?
- Just the Facts about Adjustable Rate Mortgages (ARMs)
- Make Your Home Work With Pearl Hawaii’s HELOC
- Save Time & Money With A Pearl Hawaii Mortgage
- Second Mortgage | What are they and How Do I use one?
- Home Equity Is Your Greatest Asset. Why?
Rates
3 Year HELOC Fixed Intro Rate
| Term | APR* As Low As | Max Loan Amount up to $300,000. Max Loan to Value up to 80%. | |
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3 Year |
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Rates effective as of: March 22, 2025
*LTV - Loan to Value. The Introductory Annual Percentage Rate (APR) of 5.75% for the first 36 months of the Introductory Period. 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 8.25% for 80% LTV; rate applicable 4/1/2024 through 3/31/2025. The Current Variable Index Rate shown is current as of 4/1/2024 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 owner-occupant 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 $300,000 or 80% LTV minus the balance of your existing mortgage. 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. 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. 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. HELOC Early Disclosure.
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Rates effective as of: March 22, 2025
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