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Leverage Your Home's Equity to Secure Your Financial Future

Unlock opportunities with a Home Equity Line of Credit for renovations, consolidating debt, or funding education.

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Check Out Our Low Rates

Compare our competitive HELOC rates and see how much you could save

Visa Platinum® Credit Card

A card that allows you to purchase goods and services with borrowed funds on credit

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Visa Signature® Credit Card

A credit card with extra benefits and rewards

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Points earned per $1 spent
1 CURewards® points
2 CURewards® points
$300 Bonus Rewards Offer
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True
Special access to unforgettable experiences
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True
Porch Piracy Protection
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True
Extended Warranty Protection
False
True
Low variable rate1
True
True
Credit limits from $500 to $50,000
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True
No annual or foreign transaction fees
True
True
Auto Rental Collision Damage Waiver Program
True
True
$500,000 in Travel Accident Insurance
True
True
Travel and Emergency Assistance Services
True
True
Roadside Dispatch®
True
True
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View Visa Signature®

Why Choose Our HELOC?

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Flexible Repayment Options

Choose what suits your financial situation.

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Easy Access to Funds

Quick access when you need it the most.

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Tax Benefits

Interest may be tax-deductible.**

Make Your Home Work Harder for You

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Home Improvements

Turn your space into the dream home you've always wanted.

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Debt Consolidation

Reduce overall interest payments and simplify your finances.

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Education Funding

Invest in your family's future with ease.

Calculate Your Savings

Discover your home's equity potential with our interactive calculator

Monthly Payment

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Rate
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Term Months
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We have just moved to the Big Island from the mainland so we opened an account at HFS Federal Credit Union. We appreciate their helpful 'ohana style service and availability in our community.

— Adam

Common Questions About HELOC

  • A HELOC (Home Equity Line of Credit) differs from a traditional loan in that it provides a revolving line of credit rather than a lump sum. You can borrow against it as needed, similar to a credit card, and you only pay interest on what you actually borrow. Traditional loans provide a one-time lump sum with fixed monthly payments.

  • The HELOC application process typically involves several steps: submitting an application with personal and financial information, providing documentation of your income and home value, getting your home appraised, and undergoing a credit check. The process usually takes 2-4 weeks from application to funding.

  • Prepayment penalties vary by lender and the specific terms of your HELOC. Some lenders may charge a fee if you close your HELOC within a certain period (usually 3-5 years), while others have no prepayment penalties. It’s important to review your agreement carefully and discuss these terms with your lender.

Smart Borrowing

Learn how to strategically use your home equity to achieve your financial goals while maintaining a healthy debt-to-income ratio.

Investment Strategies

Discover ways to leverage home equity for property improvements or investment opportunities that can increase your home’s value.

Financial Planning

Get insights on incorporating home equity into your long-term financial planning and retirement strategy.

Ready to Turn Your Home into a Financial Powerhouse?

Begin your journey today with our team's personalized guidance.

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