Home Equity Line of Credit

Home equity is a great asset. Put it to work with a home equity line of credit.

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Achieve tomorrow’s goals today.

Use the equity in your home to finance your major goals.

Enjoy Financial Flexibility

Say yes to every opportunity that presents itself. You can borrow when you need it and in the amounts you need. Only pay what you’ve borrowed.

Competitive Rates

Enjoy a fixed rate of 6.75% APR for the first 36 months or 7.25% APR for the first 60 months.

No Annual Fee

Zero annual fee throughout the loan life.

No Prepayment Penalty

HOCU allows extra payments or loan payoffs before the maturity date without penalty.

HELOC Products

Home Equity Line of Credit – Owner Occupied


We offer Home Equity LOC on your Owner occupied property with a loan to value up to 80% with a 18 or 30 year repayment.

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  • 6.75% Intro APR for 3 years or 7.25% Intro APR for 5 years, then converts to prevailing variable rate after fixed promotion rate expires.
  • Variable rate currently 8.50% APR
  • 8 year draw period
  • Financing up to 80%
  • See rates and terms

Over 80% Home Equity Line of Credit – Owner Occupied

  • 8 year draw period
  • No prepayment penalty
  • Maximum line of credit – $250,000
  • See rates and terms

Home Equity Line of Credit – Rental 1st Mortgage


Home Equity Line of Credit – Rental 2nd Mortgage

  • 70% loan to value appraisal
  • 8 year draw period
  • 18 year repayment
  • Maximum line of credit $250,000
  • See rates and terms

Loan Options to Suit Your Home Needs

At HOCU, we have products and service expertise to help assist in purchasing your first home, refinancing an existing mortgage, and even leveraging into your home’s equity. Talk with us to see which option is best for you.

Owner Occupied 2nd Home

Life changes as you do. Whether it’s career advancement or looking for a vacation home, we understand the importance of owning your 2nd home. Contact us today for more information.

Rental/Investment Property

Navigating through the finances of a rental or investment property can be a hassle. We make it easy for you to find the right mortgage that will suit all your needs. Maximize your property value with us!

Let HOCU Help You

A better financial future is within reach. Get in touch to get started!


General Inquiries: (808) 777-JOIN [5646]
Loan Inquiries: (808) 777-LOAN [5626]
Email: info@myhocu.com


Apply Online

To become a member and gain access to the benefits a credit union brings.

Visit Us

At one of our 5 convenient locations.

With over 30,000 surcharge-free CO-OP network ATMs across Hawaii and nationwide, HOCU makes accessing your money easier for you. Call us at 777-JOIN to learn more!

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