Lahaina, Hawaii Home Equity Loan & HELOC Rates - August 2026

As Low As; Initial Fixed Rate

Introductory Fixed Rate. After the initial fixed rate period, rates are then adjusted to variable, based on the Prime Rate published in The Wall Street Journal, plus a margin. The current fully indexed variable APR is 7.25% as of 1/15/2026. Loan-to-Value (LTV) is the percentage of the property's appraised value that is mortgaged. Maximum LTV for this offer is 80% LTV. 80% LTV is Prime + 0.50% with a floor rate of 4.50%. After the initial adjustment, the maximum increase per year is 1.00% (rate adjusts January 1st and July 1st) and the maximum rate is 18.00%. Property that will secure your home equity account must be owner-occupied and located in the State of Hawai'i. You must also maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property that secures the home equity account. Refinancing of existing UHFCU mortgages, home equity loans or lines-of-credit, credit card, or other loans and lines-of-credit do not qualify for the offer. Subject to meeting credit underwriting criteria. Additional terms and conditions may apply. Offer, terms, and rate subject to change without notice. NMLS #421550. No closing costs: Standard fees and charges will be waived for owner occupants by the Lender and not charged to the borrower if the initial draw under the plan is at least $25,000.00 and a loan balance of at least $20,000.00 is maintained for the entire first six months of the plan. If there is no initial draw or the initial draw is less than $25,000.00, or if the loan balance is less than $20,000.00 at any time during the first six months of the plan, all fees and charges paid to third parties incurred in the establishment of the plan will be charged to the borrower's account. Standard fees do not include the following, ALTA policy fee, appraisal, trust review, or other legal document preparation fees. If needed, applicant will pay these costs, which are estimated at $300 - $900 (ALTA policy fee), $300 - $750 (appraisal), and $100 - $125 (trust review fee).

Introductory Annual Percentage Rate ("APR") will be effective for the first 36 months from the date your new equity line account is open ("Introductory Period"). After the Introductory Period, the APR may vary any time and will be equal to the U.S. Prime Rate published in the Money Rates section of the Wall Street Journal, plus a 1.00% margin for a Combined Loan to Value ("CLTV") of 80%. In no event will the APR be less than 4.25% or more than 18.00%. Offer subject to approval based on applicant's creditworthiness and Hawaii Central Policy. Only residential property on Oahu is accepted as collateral. Hawaii Central will waive certain third-party closing costs (ranging an estimated $400-$600) such as Flood Determination, Title Insurance, Automated Valuation Model ("AVM") and credit report. You may be required to pay other third-party closing cost for Appraisal Fee, Escrow, Title Insurance above $250, Trust Review, or other legal documentation, if applicable. Loans paid off and closed within 2-years from the loan recordation date will require reimbursement of all waived closing costs paid by Hawaii Central FCU. The minimum credit line is $10,000 with an initial draw of $10,000. The draw period is 15-years with a 30-year amortization period. You must carry insurance on the property securing the plan. If property is located in a Special Flood Hazard area, we will require you to obtain flood insurance. Hawaii Central Membership is required. Rate, terms and conditions are subject to change or cancellation without notice. Other terms and conditions may apply.

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Introductory APR Fixed for 24 months. After the introductory period, the rates will convert to a variable rate. As of August 1, 2026, the non-introductory fully indexed variable APR was 7.88%, with a 4.25% margin. Other fully indexed APRs currently range from 6.38% to 7.88%, for margins ranging from 2.75% to 4.25%. After the introductory period, rates adjust quarterly and will not exceed 24.00%. Standard HELOCs have no floor, while Premium HELOCs are subject to a minimum APR (floor) of 4.50%. Approval for this home equity line requires you to meet our credit criteria, income ratios and loan to value guidelines. Property must be owner-occupied, 1-4 family primary residence and applicable flood (if designated in Special Flood Hazard Area), hazard and hurricane insurance is required. Minimum credit line for Standard HELOCs start at $10,000, with a maximum loan-to-value (LTV) ratio of up to 80%. Other criteria may apply. Premium HELOCs starting at $400,001 to $3,000,000 are subject to lower maximum LTVs and additional qualification requirements. Standard HELOC requests up to $400,000, may qualify for a program where Hawaii National Bank pays customary closing costs (such as appraisal, title insurance, flood determination, and recording). Certain third-party fees (e.g., attorney fees, trust review, or lien releases) are not included and may still apply to the borrower. Premium HELOCs over $400,000 and non-qualifying loans are subject to standard bank and third-party fees. A schedule of applicable fees will be provided before closing. There is a $50 annual participation fee. The participation fee may be waived if you enroll in automatic payments from a Hawaii National Bank account. The waived fee will be reversed if you do not remain enrolled in automatic payments at any time throughout the year. If you close your HELOC or pay it off with another lender during the introductory period, a prepayment penalty of $500 to $1,500 may apply. This penalty will be waived if the property is sold or refinanced with a new Hawaii National Bank mortgage. At the end of the draw period, unless the line is renewed or extended, you may be required to pay the entire outstanding balance in a single balloon payment. This special offer is available for new applications only and may be changed or withdrawn at any time without notice.

Introductory APR Fixed for 36 months. After the introductory period, the rates will convert to a variable rate. As of August 1, 2026, the non-introductory fully indexed variable APR was 7.88%, with a 4.25% margin. Other fully indexed APRs currently range from 6.38% to 7.88%, for margins ranging from 2.75% to 4.25%. After the introductory period, rates adjust quarterly and will not exceed 24.00%. Standard HELOCs have no floor, while Premium HELOCs are subject to a minimum APR (floor) of 4.50%. Approval for this home equity line requires you to meet our credit criteria, income ratios and loan to value guidelines. Property must be owner-occupied, 1-4 family primary residence and applicable flood (if designated in Special Flood Hazard Area), hazard and hurricane insurance is required. Minimum credit line for Standard HELOCs start at $10,000, with a maximum loan-to-value (LTV) ratio of up to 80%. Other criteria may apply. Premium HELOCs starting at $400,001 to $3,000,000 are subject to lower maximum LTVs and additional qualification requirements. Standard HELOC requests up to $400,000, may qualify for a program where Hawaii National Bank pays customary closing costs (such as appraisal, title insurance, flood determination, and recording). Certain third-party fees (e.g., attorney fees, trust review, or lien releases) are not included and may still apply to the borrower. Premium HELOCs over $400,000 and non-qualifying loans are subject to standard bank and third-party fees. A schedule of applicable fees will be provided before closing. There is a $50 annual participation fee. The participation fee may be waived if you enroll in automatic payments from a Hawaii National Bank account. The waived fee will be reversed if you do not remain enrolled in automatic payments at any time throughout the year. If you close your HELOC or pay it off with another lender during the introductory period, a prepayment penalty of $500 to $1,500 may apply. This penalty will be waived if the property is sold or refinanced with a new Hawaii National Bank mortgage. At the end of the draw period, unless the line is renewed or extended, you may be required to pay the entire outstanding balance in a single balloon payment. This special offer is available for new applications only and may be changed or withdrawn at any time without notice.

Introductory Rate; **

2

No additional details available.

No additional details available.

Investor HELOC Max Loan Amount up to $400,000. Max Loan to Value up to 70%. Minimum Monthly Payment of $100.00

Introductory Fixed Rate. After the initial fixed rate period, rates are then adjusted to variable, based on the Prime Rate published in The Wall Street Journal, plus a margin. The current fully indexed variable APR is 7.25% as of 1/15/2026. Loan-to-Value (LTV) is the percentage of the property's appraised value that is mortgaged. Maximum LTV for this offer is 80% LTV. 80% LTV is Prime + 0.50% with a floor rate of 4.50%. After the initial adjustment, the maximum increase per year is 1.00% (rate adjusts January 1st and July 1st) and the maximum rate is 18.00%. Property that will secure your home equity account must be owner-occupied and located in the State of Hawai'i. You must also maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property that secures the home equity account. Refinancing of existing UHFCU mortgages, home equity loans or lines-of-credit, credit card, or other loans and lines-of-credit do not qualify for the offer. Subject to meeting credit underwriting criteria. Additional terms and conditions may apply. Offer, terms, and rate subject to change without notice. NMLS #421550. No closing costs: Standard fees and charges will be waived for owner occupants by the Lender and not charged to the borrower if the initial draw under the plan is at least $25,000.00 and a loan balance of at least $20,000.00 is maintained for the entire first six months of the plan. If there is no initial draw or the initial draw is less than $25,000.00, or if the loan balance is less than $20,000.00 at any time during the first six months of the plan, all fees and charges paid to third parties incurred in the establishment of the plan will be charged to the borrower's account. Standard fees do not include the following, ALTA policy fee, appraisal, trust review, or other legal document preparation fees. If needed, applicant will pay these costs, which are estimated at $300 - $900 (ALTA policy fee), $300 - $750 (appraisal), and $100 - $125 (trust review fee).

No additional details available.

No additional details available.

No additional details available.

Introductory APR Fixed for 48 months. After the introductory period, the rates will convert to a variable rate. As of August 1, 2026, the non-introductory fully indexed variable APR was 7.88%, with a 4.25% margin. Other fully indexed APRs currently range from 6.38% to 7.88%, for margins ranging from 2.75% to 4.25%. After the introductory period, rates adjust quarterly and will not exceed 24.00%. Standard HELOCs have no floor, while Premium HELOCs are subject to a minimum APR (floor) of 4.50%. Approval for this home equity line requires you to meet our credit criteria, income ratios and loan to value guidelines. Property must be owner-occupied, 1-4 family primary residence and applicable flood (if designated in Special Flood Hazard Area), hazard and hurricane insurance is required. Minimum credit line for Standard HELOCs start at $10,000, with a maximum loan-to-value (LTV) ratio of up to 80%. Other criteria may apply. Premium HELOCs starting at $400,001 to $3,000,000 are subject to lower maximum LTVs and additional qualification requirements. Standard HELOC requests up to $400,000, may qualify for a program where Hawaii National Bank pays customary closing costs (such as appraisal, title insurance, flood determination, and recording). Certain third-party fees (e.g., attorney fees, trust review, or lien releases) are not included and may still apply to the borrower. Premium HELOCs over $400,000 and non-qualifying loans are subject to standard bank and third-party fees. A schedule of applicable fees will be provided before closing. There is a $50 annual participation fee. The participation fee may be waived if you enroll in automatic payments from a Hawaii National Bank account. The waived fee will be reversed if you do not remain enrolled in automatic payments at any time throughout the year. If you close your HELOC or pay it off with another lender during the introductory period, a prepayment penalty of $500 to $1,500 may apply. This penalty will be waived if the property is sold or refinanced with a new Hawaii National Bank mortgage. At the end of the draw period, unless the line is renewed or extended, you may be required to pay the entire outstanding balance in a single balloon payment. This special offer is available for new applications only and may be changed or withdrawn at any time without notice.

Introductory Fixed Rate. After the initial fixed rate period, rates are then adjusted to variable, based on the Prime Rate published in The Wall Street Journal, plus a margin. The current fully indexed variable APR is 7.25% as of 1/15/2026. Loan-to-Value (LTV) is the percentage of the property's appraised value that is mortgaged. Maximum LTV for this offer is 80% LTV. 80% LTV is Prime + 0.50% with a floor rate of 4.50%. After the initial adjustment, the maximum increase per year is 1.00% (rate adjusts January 1st and July 1st) and the maximum rate is 18.00%. Property that will secure your home equity account must be owner-occupied and located in the State of Hawai'i. You must also maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property that secures the home equity account. Refinancing of existing UHFCU mortgages, home equity loans or lines-of-credit, credit card, or other loans and lines-of-credit do not qualify for the offer. Subject to meeting credit underwriting criteria. Additional terms and conditions may apply. Offer, terms, and rate subject to change without notice. NMLS #421550. No closing costs: Standard fees and charges will be waived for owner occupants by the Lender and not charged to the borrower if the initial draw under the plan is at least $25,000.00 and a loan balance of at least $20,000.00 is maintained for the entire first six months of the plan. If there is no initial draw or the initial draw is less than $25,000.00, or if the loan balance is less than $20,000.00 at any time during the first six months of the plan, all fees and charges paid to third parties incurred in the establishment of the plan will be charged to the borrower's account. Standard fees do not include the following, ALTA policy fee, appraisal, trust review, or other legal document preparation fees. If needed, applicant will pay these costs, which are estimated at $300 - $900 (ALTA policy fee), $300 - $750 (appraisal), and $100 - $125 (trust review fee).

No additional details available.

Introductory discounted rate for the first 24 months. After the 24-month introductory period, the rate will convert to a variable rate equal to the Wall Street Journal (WSJ) Prime Rate plus a margin ranging from 0.50% to 3.50%, depending on creditworthiness, resulting in varying APRs. As of January 1, 2026, the WSJ Prime Rate is 6.75%. The regular APR for qualified borrowers (Grade A) would be 7.25% (Prime + 0.50%). Rates may increase after consummation. The floor rate is 3.00% APR. Maximum loan amount: $450,000. Maximum LTV: 80% (primary residence). Minimum loan amount: $25,000. Minimum initial draw: $5,000. Draw period: 5 years. Payment due on the 15th of each month. An appraisal is required for loan amounts of $400,000 or greater, or when the combined loan-to-value ratio is 80% or higher of the AVM value. Membership eligibility required. All loans subject to credit approval. Rates, terms, and conditions are subject to change without notice. Federally insured by NCUA. Offer valid through June 30, 2026.

No additional details available.

No additional details available.

As Low As; Initial Fixed Rate

Variable rate for the Premium program. After the introductory period, the rates will convert to a variable rate. As of August 1, 2026, the non-introductory fully indexed variable APR was 7.88%, with a 4.25% margin. Other fully indexed APRs currently range from 6.38% to 7.88%, for margins ranging from 2.75% to 4.25%. After the introductory period, rates adjust quarterly and will not exceed 24.00%. Standard HELOCs have no floor, while Premium HELOCs are subject to a minimum APR (floor) of 4.50%. Approval for this home equity line requires you to meet our credit criteria, income ratios and loan to value guidelines. Property must be owner-occupied, 1-4 family primary residence and applicable flood (if designated in Special Flood Hazard Area), hazard and hurricane insurance is required. Minimum credit line for Standard HELOCs start at $10,000, with a maximum loan-to-value (LTV) ratio of up to 80%. Other criteria may apply. Premium HELOCs starting at $400,001 to $3,000,000 are subject to lower maximum LTVs and additional qualification requirements. Standard HELOC requests up to $400,000, may qualify for a program where Hawaii National Bank pays customary closing costs (such as appraisal, title insurance, flood determination, and recording). Certain third-party fees (e.g., attorney fees, trust review, or lien releases) are not included and may still apply to the borrower. Premium HELOCs over $400,000 and non-qualifying loans are subject to standard bank and third-party fees. A schedule of applicable fees will be provided before closing. There is a $50 annual participation fee. The participation fee may be waived if you enroll in automatic payments from a Hawaii National Bank account. The waived fee will be reversed if you do not remain enrolled in automatic payments at any time throughout the year. If you close your HELOC or pay it off with another lender during the introductory period, a prepayment penalty of $500 to $1,500 may apply. This penalty will be waived if the property is sold or refinanced with a new Hawaii National Bank mortgage. At the end of the draw period, unless the line is renewed or extended, you may be required to pay the entire outstanding balance in a single balloon payment. This special offer is available for new applications only and may be changed or withdrawn at any time without notice.

3 up to $400,000 credit line

No additional details available.

Current non-introductory fully indexed variable APR for 80% LTV; rate applicable 04/01/2026 through 03/31/2027. Initial advance must be $1,000 or more.

Up to 70 loan-to-value, non-owner occupied

up to $500,000; As low as

up to $500,000; As low as

No additional details available.

No additional details available.

No additional details available.

No additional details available.

No additional details available.

As low as

No additional details available.

1st Adj Rate**: 7.500% | 1st Adj Payment***: $1,477.98

Variable Index Rate; ***

1st Adj Rate**: 7.500% | 1st Adj Payment***: $1,477.98

1st Adj Rate**: 7.500% | 1st Adj Payment***: $1,477.98

Current Variable Index Rate; 2

As low as

Current Variable Rate

As Low As; Initial Fixed Rate

Discounted Introductory Fixed Rates of 5.25%, 5.50%, and 5.75% APR are available (respectively) for 24 months, 36 months, or 60 months from account opening of a new UHFCU home equity line of credit, for approved applications received between 7/20/2026 - 12/31/2026 and funded by 1/31/2027. Minimum initial draw of $25,000.00 required. After the initial fixed rate period, rates are then adjusted to variable, based on the Prime Rate published in The Wall Street Journal, plus a margin. The current fully indexed variable APR is 7.25% as of 1/15/2026. Loan-to-Value (LTV) is the percentage of the property's appraised value that is mortgaged. Maximum LTV for this offer is 80% LTV. 80% LTV is Prime + 0.50% with a floor rate of 4.50%. After the initial adjustment, the maximum increase per year is 1.00% (rate adjusts January 1st and July 1st) and the maximum rate is 18.00%. Property that will secure your home equity account must be owner-occupied and located in the State of Hawai'i. You must also maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property that secures the home equity account. Refinancing of existing UHFCU mortgages, home equity loans or lines-of-credit, credit card, or other loans and lines-of-credit do not qualify for the offer. Subject to meeting credit underwriting criteria. Additional terms and conditions may apply. Offer, terms, and rate subject to change without notice. NMLS #421550. No closing costs: Standard fees and charges will be waived for owner occupants by the Lender and not charged to the borrower if the initial draw under the plan is at least $25,000.00 and a loan balance of at least $20,000.00 is maintained for the entire first six months of the plan. If there is no initial draw or the initial draw is less than $25,000.00, or if the loan balance is less than $20,000.00 at any time during the first six months of the plan, all fees and charges paid to third parties incurred in the establishment of the plan will be charged to the borrower's account. Standard fees do not include the following, ALTA policy fee, appraisal, trust review, or other legal document preparation fees. If needed, applicant will pay these costs, which are estimated at $300 - $900 (ALTA policy fee), $300 - $750 (appraisal), and $100 - $125 (trust review fee).