Your financial success matters to us. So we’ve worked as hard as we can to create a flexible product tailored to Hawaii homeowners. We’re here to help you find what’s right for both your short-term and long-term goals. It's a hassle-free way to borrow.

This loan lets you take cash out using the equity in your home without refinancing your first mortgage. Your line is ready for you to use anytime and you can renovate your home, pay for college tuition, or buy another property—your call. Interest and payments are entirely based on the amount used—meaning zero balance equals zero interest and zero payment. Loan amounts of over $500,000 are also available. 

We call it “Hassle-Free” because there’s
• No requirement to open a checking account 
• No other deposit balance requirements
• No automatic payment to set up
• No prepayment penalties

In addition to great rates for owner-occupants, we feature terms, loan amounts and guidelines for a variety of investor needs that you are unlikely to find elsewhere in Hawaii.

Disclosures

Hawaii HELOC Intro Rate Disclosure

Hawaii HELOC Fully Indexed Rate Disclosure

Guam HELOC Intro Rate Disclosure

Guam HELOC Fully Indexed Rate Disclosure

What You Should Know About Home Equity Lines of Credit (HELOC)