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Pearl Hawaii Credit Union
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Pearl Hawaii Credit Union
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Home Equity Loan

For Life's Big Purchases

Looking for a nice-sized chunk of cash? This loan lets you borrow at a more-than-reasonable rate.

  • Plenty of options

    We've got a variety of term options, depending on your home equity loan needs and preferred length. Save on interest and get things paid fast with a 7 year loan or take things at a comfy pace with our 20 year option.

    Any Questions?

    Contact our mortgage loan staff at 808.737.4328 or contact our mortgage loan team to get started.
    • 7, 12, 15, and 20 year terms
    • Cover your home or investment properties
    • Borrow up to $765,600
    • No annual fees
    • No pre-payment penalties

    I was able to landscape my yard, add a retaining wall, remodel my kitchen, and make my bathroom ADA accessible. Thank you PHFCU and a huge thanks to your amazing Loan Staff!


  • Rates & Calculator

    Mortgage Loans

    Fixed Rate Term RatePointsAPR* As Low As Term (months)Payment Example Based on A-Tier rate of $100,000 Total PaymentsTotal Interest
    7 Year Owner Occupied3.000%0.003.111%84$1,321.31 $110,989.69 $10,989.69apply
    7 Year Investment 3.000%0.003.111%84$1,321.31$110,989.69 $10,989.69apply
    12 Year Investment 4.500%0.004.569%144 $899.99 $129,598.03$29,598.03apply
    15 Year First Mortgage Owner Occupied 5.000%1.005.212%180$790.79$142,342.85$43,723.74apply
    15 Year First Mortgage Owner Occupied5.250%0.005.308%180$803.88$144,697.99$45,078.88apply
    15 Year Second Mortgage Owner Occupied5.375%1.005.589%180$810.47$145,883.78$47,264.67apply
    15 Year Second Mortgage Owner Occupied5.625%0.00 5.684% 180$823.73$148,271.71$48,652.60apply
    20 Year First Mortgage Owner Occupied5.000%2.005.289%240$659.96$158,389.38$60,770.27apply
    20 Year First Mortgage Owner Occupied5.350%0.005.396%240$679.44$163,066.31$63,447.20apply
    20 Year Second Mortgage Owner Occupied5.375%2.005.669% 240$680.85$163,403.16$65,784.05apply
    20 Year Second Mortgage Owner Occupied5.725%0.005.772% 240$700.66$168,157.69 $68,538.58apply
    30 Year Mortgage- Owner Occupied, First Liens 5.625% 1.005.752%360$575.66$207,236.31 $108,617.20apply
    30 Year Mortgage- Owner Occupied, First Liens 5.875% 0.005.910% 360$591.54$212,953.59$113,334.48apply

    *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. Rates are current as of 01/05/23.

    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.

    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: $765,600.



Hale sweet hale

Ready to maximize your home's potential? Get started with our easy home equity loan online application.