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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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Home Equity Lines of Credit

Give yourself a little credit

or a lot of credit with this flexible source of cash

PHFCUTealPaint
  • Save time and money

    With 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 mortgages@phfcu.com
    • Credit lines up to $300,000
    • Start with an initial advance of $1,000
    • Great for home renovations
  • Rates & Calculator

    Home Equity Lines of Credit

    Type APR* AS LOW AS Based on an A-Tier rate of $10,000
    80% Annual Adjustable 4.00% Annual Adjustable Rate applicable 4/1/2021 through 3/31/2022. 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% . 121 payments of $100.00 and 1 estimated final payment of $85.11.
    90% Annual Adjustable 4.00% Annual Adjustable Rate applicable 4/1/2021 through 3/31/2022. 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%. 121 payments of $100.00 and 1 estimated final payment of $85.11.

    *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: $300,000. The borrower must be 18 years of age or older. NMLS 472169. HELOC EARLY DISCLOSURE.

     

    Payment

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We've got your needs, interests, and priorities in mind when we lend to you- not just a bottom line.