Home Equity Lines of Credit
Give yourself a little credit
or a lot of credit with this flexible source of cash
Save time and moneyWith a Home Equity Line of Credit (HELOC), you can use your home's value to get a much lower rate. Plus, it helps you save time on loan applications in the future. It's perfect if you've got an upcoming project, but don't know exactly how much you'll want to borrow. You'll have a continuous source of cash whenever you need it.
Any Questions?Call our Mortgage Loan Officer at 808.218.6248 or email firstname.lastname@example.org
- Credit lines up to $300,000
- Only pay interest on what you borrow
- Start with an initial advance of $1,000
- Great for home renovations
Rates & Calculator
Home Equity Lines of Credit
Type APR* Based on an A-Tier rate of $10,000 80% Annual Adjustable 4.75% Annual Adjustable Rate applicable 4/1/2019 through 3/31/2020. Thereafter, the interest rate will adjust in accordance with the terms of the Credit Agreement. Max Loan Amount up to $300,000. Max Loan to Value up to 80% . 127 payments of $100.00 and 1 estimated final payment of $56.13. 90% Annual Adjustable 5.50% Annual Adjustable Rate applicable 4/1/2019 through 3/31/2020. Thereafter, the interest rate will adjust in accordance with the terms of the Credit Agreement. Max Loan Amount up to $150,000. Max Loan to Value up to 90%. 134 payments of $100.00 and 1 estimated final payment of $8.42.
*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. 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 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. Payment example does not include possible fees, insurance, or closing costs that may occur and will range dependent on your situation. Maximum loan amount: $6 prior notice. Only improved residential owner-occupied properties on Oahu accepted as collateral. PHFCU must be listed as a loss payee on the Home Insurance policy. There are pre-payment penalties or annual fees. Fees that may be incurred: application fee, title insurance fee, document preparation fee, SRA\a25,500. May not be used for a business loan. The borrower must be 18 years of age or older. You must maintain broad form hazard insurance on the property, listing PHFCU as a loss payee. NMLS 472169. HELOC EARLY DISCLOSURE.