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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.

SweetHale
  • 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 mortgages@phfcu.com
    • 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!

    -Edwin

  • Rates & Calculator

    Home Equity Loans

    Fixed Rate Term RatePointsAPR* Based on an A-Tier rate of $100,000 (Owner Occupied & Investment Properties)
    7 Year: Owner Occupied3.00%0.003.00%Payment Example: 83 payments of $1,321.37, 1 of $1,320.46.
    7 Year: Investment 3.00%0.003.00%Payment Example: 83 payments of $1,321.37, 1 of $1,320.46.
    12 Year: Investment 4.50%0.004.50%Payment Example: 143 payments of $900.05, 1 of $898.17.
    15 Year: Owner Occupied 2.675%1.002.874%Payment Example: Monthly principal and interest payment is $675.08. The total of all interest payments for 15 years is $22,894.38 and the total of all payments for 15 years $121,513.38.
    20 Year: First Mortgage Owner Occupied2.675%1.002.828%Payment Example: Monthly principal and interest payment is $538.49. The total of all interest payments for 20 years is $30,616.05 and the total of all payments for 20 years is $129,235.16.
    20 Year: Second Mortgage Owner Occupied3.050%1.003.205%Payment Example: Monthly principal and interest payment is $557.10. The total of all interest payments for 20 years is $35,083.14 and the total of all payments for 20 years $133,702.25.

    *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. 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 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.

    NMLS 472169. HELOC EARLY DISCLOSURE.

    Payment

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Hale sweet hale

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