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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?

    Call our Mortgage Loan Officer at 808.218.6248 or email
    • 7, 12, 15, and 20 year terms
    • Cover your home or investment properties
    • Borrow up to $625,500
    • 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

    Home Equity Loans

    Term APR* Based on an A-Tier rate of $10,000 (Owner Occupied & Investment Properties)
    7 Year 3.00%Payment Example: 83 payments of $132.13, 1 of $131.69
    7 Year: Investment 3.00%Payment Example: 83 payments of $132.13, 1 of $131.69
    12 Year: Investment 4.50%Payment Example: 143 payments of $90.00, 1 of $89.81
    15 Year: Owner Call 808-737-4328 (73-PHFCU) for Current Rate
    20 Year: OwnerCall 808-737-4328 (73-PHFCU) for Current Rate

    *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. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. Only improved residential 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\appraisal fee, tax verification fee, trust review fee, recording fees, or flood verification fee. Closing cost fees incurred will be dependent on amount borrowed and will vary based on member’s situation. Average Closing Cost: $800.00-$1500.00 and may vary dependent on personal financial situation. Maximum loan amount: $625,500. May not be used for a business loan. 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. Existing PHFCU Closed End Home Equity Loan- For those borrowers who refinance their existing PHFCU Closed End Home Equity Loan without borrowing any additional monies six (6) months prior to loan maturity, a fee equal to the greater of either $500 or 1/2 of 1% of the outstanding loan balance(s) held against the property will be assessed. For these requests, the APR will be higher than shown in our rate tables. HELOC EARLY DISCLOSURE.



Hale sweet hale

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