Dream bigger with a HELOC

Rates effective as of: February 3, 2026

*LTV - Loan to Value. The Introductory Annual Percentage Rate (APR) of 4.50% applies for the first 36 months on HELOCs up to 80% LTV (owner-occupied). An introductory APR of 5.50% applies for the first 36 months on Investor HELOCs up to 70%. After the Introductory Period, your rate and payment may increase as it adjust to the standard variable annual-adjustable interest rate in accordance with your Home Equity Credit Agreement. The current non-introductory fully indexed variable APR is 7.25% for 80% LTV and 8.25% for 70% LTV Investor HELOC; rate applicable 9/30/2025 through 3/31/2026. The Current Variable Index Rate shown is current as of 9/30/2025 and will not exceed 18% APR. Total HELOC loan amount received, rate and terms are subject to credit approval. Offer is valid for qualifying applications to new Home Equity Lines of Credit. Only improved properties on Oahu accepted as collateral. Minimum credit line is $5,000 and the maximum credit lines for an 80% LTV Fee-Simple Owner-Occupied Property, the lesser of $400,000 or 80% LTV minus the balance of your existing mortgage (s), for the 70% LTV Fee-Simple Investor property, the lesser of $400,000 or 70% LTV minus the balance of your existing mortgage (s). Refinancing of existing Pearl Hawaii Federal Credit Union Home Equity Lines of Credit is not allowed. Membership required. Borrower must maintain fire, hurricane and flood (if in flood hazard zone) insurance on the property and Pearl Hawaii Federal Credit Union must be a loss payee on your Home Insurance policy. There are no points, pre-payment penalties, or annual fees. Closing Cost Fees that may be included: title insurance fee, document preparation fee, SRA\appraisal fee, appraisal review fee, trust review fee, recording fees, application fee, or flood verification fee. Closing cost fees incurred will be dependent on the amount borrowed and will vary based on the member’s situation and are estimated between $200 to $5,000. For the introductory rate, the initial advance must be $10,000 or more. For the Current Variable Annual Rate, the initial advance must be $1,000 or more. Other conditions and restrictions may apply. Any existing junior liens from financial institutions other than PHFCU must paid off and may be paid by an initial draw from the new Home Equity Line of Credit account. 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. Minimum payment for 36 month term fixed intro rates and for current variable annual rate is $100.00. NMLS#472169. Federally insured by NCUA. Equal Housing Lender. HELOC Early Disclosure.

Rates effective as of: February 3, 2026

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