Hawaii HELOC Rates
Home equity lines of credit from local banks and credit unions
Ranked by lowest variable APR after the intro period ends; ties go to the lower intro rate.
Rates refreshed Oct 26 · 10:15 AM HST
Ranked by lowest variable APR after the intro period ends; ties go to the lower intro rate. Sorting is not influenced by advertising or referral fees.
Pearl Hawaii FCU#1 Lowest variable APR
NCUA InsuredIntro Rate
4.875%
36 mo intro
Variable APR
6.500%
after intro
Max LTV
80%
Max Line
$400,000
Checked Oct 26, 2026Lender's page dated Oct 26, 2026 · sourceConditions: "A" tier rate (APR "as low as"). Only owner-occupied properties on Oahu accepted as collateral. Initial advance of $10,000+ required for the intro rate. Variable APR applies 4/1/2026–3/31/2027.
NCUA Insured
Intro Rate
5.250%
24 mo intro
Variable APR
6.750%
after intro
Max LTV
80%
Max Line
$399,900
Checked Oct 26, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Intro APR requires auto-pay from an HSFCU checking account. Variable APR shown is "as low as"; line up to the lesser of $399,900 or 80% LTV minus existing mortgage.
NCUA Insured
Intro Rate
5.300%
36 mo intro
Variable APR
6.750%
after intro
Max LTV
80%
Max Line
$399,900
Checked Oct 26, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Intro APR requires auto-pay from an HSFCU checking account. Variable APR shown is "as low as"; line up to the lesser of $399,900 or 80% LTV minus existing mortgage.
NCUA Insured
Intro Rate
5.500%
48 mo intro
Variable APR
6.750%
after intro
Max LTV
80%
Max Line
$399,900
Checked Oct 26, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Intro APR requires auto-pay from an HSFCU checking account. Variable APR shown is "as low as"; line up to the lesser of $399,900 or 80% LTV minus existing mortgage.
NCUA Insured
Intro Rate
5.500%
60 mo intro
Variable APR
6.750%
after intro
Max LTV
80%
Max Line
$399,900
Checked Oct 26, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Intro APR requires auto-pay from an HSFCU checking account. Variable APR shown is "as low as"; line up to the lesser of $399,900 or 80% LTV minus existing mortgage.
FDIC Insured
Intro Rate
5.750%
24 mo intro
Variable APR
7.000%
after intro
Max LTV
See lender
Max Line
$1,000,000
Checked Oct 26, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Intro APR requires auto-pay from an ASB personal checking account; applications received 10/1–11/15/2026 that fund by 12/15/2026. 7.00% is the lowest variable APR (margin depends on credit, occupancy and CLTV).
LFCU
NCUA Insured
Intro Rate
4.990%
24 mo intro
Variable APR
7.025%
after intro
Max LTV
80%
Max Line
$400,000
Checked Oct 26, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Intro APR for new applications 10/1–12/31/2026, owner-occupied, up to 80% LTV; $25,000 minimum initial draw (or the full line if smaller), line kept open 6+ months. Variable APR 7.025% until 2/28/2027, then 26-week Treasury plus 3.50% (18.00% cap). Fee-simple Hawaii property. Membership required: people who live, work, worship or attend school on Oahu.
LFCU
NCUA Insured
Intro Rate
5.240%
36 mo intro
Variable APR
7.025%
after intro
Max LTV
80%
Max Line
$400,000
Checked Oct 26, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Intro APR for new applications 10/1–12/31/2026, owner-occupied, up to 80% LTV; $25,000 minimum initial draw (or the full line if smaller), line kept open 6+ months. Variable APR 7.025% until 2/28/2027, then 26-week Treasury plus 3.50% (18.00% cap). Fee-simple Hawaii property. Membership required: people who live, work, worship or attend school on Oahu.
LFCU
NCUA Insured
Intro Rate
5.490%
60 mo intro
Variable APR
7.025%
after intro
Max LTV
80%
Max Line
$400,000
Checked Oct 26, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Intro APR for new applications 10/1–12/31/2026, owner-occupied, up to 80% LTV; $25,000 minimum initial draw (or the full line if smaller), line kept open 6+ months. Variable APR 7.025% until 2/28/2027, then 26-week Treasury plus 3.50% (18.00% cap). Fee-simple Hawaii property. Membership required: people who live, work, worship or attend school on Oahu.
HIFICU
NCUA Insured
Intro Rate
N/A
Variable APR
7.250%
after intro
Max LTV
70%
Max Line
$200,000
Checked Oct 26, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Variable: one-year Treasury index plus 3.00%, reviewed quarterly, 18.00% APR cap. Fee-simple, owner-occupied Hawaii property; line up to the lesser of $200,000 or 70% combined LTV. Membership required: people who live, work, worship or go to school on Oahu or in Maui County.
UHFCU
NCUA Insured
Intro Rate
5.250%
24 mo intro
Variable APR
7.500%
after intro
Max LTV
80%
Max Line
See lender
Checked Oct 26, 2026Lender's page dated Oct 22, 2026 · sourceConditions: Fixed intro APR, then variable. Owner-occupied, up to 80% LTV, 25-year term. Rates are UHFCU's lowest and include an automatic-payment discount; the variable rate adjusts January 1 and July 1. Membership required: UH faculty, staff, students and alumni, and certain other groups.
UHFCU
NCUA Insured
Intro Rate
5.500%
36 mo intro
Variable APR
7.500%
after intro
Max LTV
80%
Max Line
See lender
Checked Oct 26, 2026Lender's page dated Oct 22, 2026 · sourceConditions: Fixed intro APR, then variable. Owner-occupied, up to 80% LTV, 25-year term. Rates are UHFCU's lowest and include an automatic-payment discount; the variable rate adjusts January 1 and July 1. Membership required: UH faculty, staff, students and alumni, and certain other groups.
UHFCU
NCUA Insured
Intro Rate
5.750%
60 mo intro
Variable APR
7.500%
after intro
Max LTV
80%
Max Line
See lender
Checked Oct 26, 2026Lender's page dated Oct 22, 2026 · sourceConditions: Fixed intro APR, then variable. Owner-occupied, up to 80% LTV, 25-year term. Rates are UHFCU's lowest and include an automatic-payment discount; the variable rate adjusts January 1 and July 1. Membership required: UH faculty, staff, students and alumni, and certain other groups.
BOH
FDIC Insured
Intro Rate
5.800%
24 mo intro
Variable APR
7.500%
after intro
Max LTV
See lender
Max Line
See lender
Checked Oct 26, 2026Lender's page dated Oct 8, 2026 · sourceConditions: Intro APR requires auto-pay from a BOH checking or savings account; applications received 10/16–10/31/2026. 7.50% variable APR is for a second lien behind a BOH first mortgage (7.25%–8.00% otherwise). $100 annual fee.
BOH
FDIC Insured
Intro Rate
5.850%
36 mo intro
Variable APR
7.500%
after intro
Max LTV
See lender
Max Line
See lender
Checked Oct 26, 2026Lender's page dated Oct 8, 2026 · sourceConditions: Intro APR requires auto-pay from a BOH checking or savings account; applications received 10/16–10/31/2026. 7.50% variable APR is for a second lien behind a BOH first mortgage (7.25%–8.00% otherwise). $100 annual fee.
BOH
FDIC Insured
Intro Rate
5.900%
48 mo intro
Variable APR
7.500%
after intro
Max LTV
See lender
Max Line
See lender
Checked Oct 26, 2026Lender's page dated Oct 8, 2026 · sourceConditions: Intro APR requires auto-pay from a BOH checking or savings account; applications received 10/16–10/31/2026. 7.50% variable APR is for a second lien behind a BOH first mortgage (7.25%–8.00% otherwise). $100 annual fee.
BOH
FDIC Insured
Intro Rate
5.950%
60 mo intro
Variable APR
7.500%
after intro
Max LTV
See lender
Max Line
See lender
Checked Oct 26, 2026Lender's page dated Oct 8, 2026 · sourceConditions: Intro APR requires auto-pay from a BOH checking or savings account; applications received 10/16–10/31/2026. 7.50% variable APR is for a second lien behind a BOH first mortgage (7.25%–8.00% otherwise). $100 annual fee.
HNB
FDIC Insured
Intro Rate
5.580%
24 mo intro
Variable APR
7.880%
after intro
Max LTV
80%
Max Line
$400,000
Checked Oct 26, 2026Lender's page dated Oct 5, 2026 · sourceConditions: Standard HELOC: owner-occupied 1–4 family primary residence, up to 80% LTV, $10,000 minimum line; requests up to $400,000 may qualify for bank-paid closing costs. Variable APR adjusts quarterly (24.00% cap). $50 annual fee (waived with auto-pay from an HNB account); $500–$1,500 prepayment penalty if paid off with another lender during the intro period.
HNB
FDIC Insured
Intro Rate
5.680%
36 mo intro
Variable APR
7.880%
after intro
Max LTV
80%
Max Line
$400,000
Checked Oct 26, 2026Lender's page dated Oct 5, 2026 · sourceConditions: Standard HELOC: owner-occupied 1–4 family primary residence, up to 80% LTV, $10,000 minimum line; requests up to $400,000 may qualify for bank-paid closing costs. Variable APR adjusts quarterly (24.00% cap). $50 annual fee (waived with auto-pay from an HNB account); $500–$1,500 prepayment penalty if paid off with another lender during the intro period.
HNB
FDIC Insured
Intro Rate
5.780%
48 mo intro
Variable APR
7.880%
after intro
Max LTV
80%
Max Line
$400,000
Checked Oct 26, 2026Lender's page dated Oct 5, 2026 · sourceConditions: Standard HELOC: owner-occupied 1–4 family primary residence, up to 80% LTV, $10,000 minimum line; requests up to $400,000 may qualify for bank-paid closing costs. Variable APR adjusts quarterly (24.00% cap). $50 annual fee (waived with auto-pay from an HNB account); $500–$1,500 prepayment penalty if paid off with another lender during the intro period.
HCFCU
NCUA Insured
Intro Rate
5.250%
36 mo intro
Variable APR
8.000%
after intro
Max LTV
80%
Max Line
See lender
Checked Oct 26, 2026Lender's page dated Oct 7, 2026 · sourceConditions: Owner-occupant, up to 80% CLTV. Variable APR shown is "as low as". $10,000 minimum line and initial draw; 15-year draw period. Waived closing costs must be repaid if closed within 2 years. Only residential property on Oahu accepted as collateral. Membership required: people who live, work, worship or attend school on Oahu.
CPB
FDIC Insured
Intro Rate
5.400%
24 mo intro
Variable APR
8.000%
after intro
Max LTV
90%
Max Line
$1,000,000
Checked Oct 26, 2026Lender's page dated Sep 17, 2026 · sourceConditions: Intro APR requires auto-pay from a CPB Exceptional Checking account. 90% LTV requires a qualifying CPB first mortgage and prices 0.50% higher.
CPB
FDIC Insured
Intro Rate
5.750%
36 mo intro
Variable APR
8.000%
after intro
Max LTV
90%
Max Line
$1,000,000
Checked Oct 26, 2026Lender's page dated Sep 17, 2026 · sourceConditions: Intro APR requires auto-pay from a CPB Exceptional Checking account. 90% LTV requires a qualifying CPB first mortgage and prices 0.50% higher.
CPB
FDIC Insured
Intro Rate
5.850%
48 mo intro
Variable APR
8.000%
after intro
Max LTV
90%
Max Line
$1,000,000
Checked Oct 26, 2026Lender's page dated Sep 17, 2026 · sourceConditions: Intro APR requires auto-pay from a CPB Exceptional Checking account. 90% LTV requires a qualifying CPB first mortgage and prices 0.50% higher.
CPB
FDIC Insured
Intro Rate
5.900%
60 mo intro
Variable APR
8.000%
after intro
Max LTV
90%
Max Line
$1,000,000
Checked Oct 26, 2026Lender's page dated Sep 17, 2026 · sourceConditions: Intro APR requires auto-pay from a CPB Exceptional Checking account. 90% LTV requires a qualifying CPB first mortgage and prices 0.50% higher.
FDIC Insured
Intro Rate
5.800%
24 mo intro
Variable APR
8.620%
after intro
Max LTV
See lender
Max Line
See lender
Checked Oct 26, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Intro APR requires auto-pay from an FHB account (0.25% higher without) and applies to applications received 10/1–10/31/2026. $100 annual fee.
FDIC Insured
Intro Rate
5.850%
36 mo intro
Variable APR
8.620%
after intro
Max LTV
See lender
Max Line
See lender
Checked Oct 26, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Intro APR requires auto-pay from an FHB account (0.25% higher without) and applies to applications received 10/1–10/31/2026. $100 annual fee.
FDIC Insured
Intro Rate
5.900%
48 mo intro
Variable APR
8.620%
after intro
Max LTV
See lender
Max Line
See lender
Checked Oct 26, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Intro APR requires auto-pay from an FHB account (0.25% higher without) and applies to applications received 10/1–10/31/2026. $100 annual fee.
FDIC Insured
Intro Rate
5.950%
60 mo intro
Variable APR
8.620%
after intro
Max LTV
See lender
Max Line
See lender
Checked Oct 26, 2026Lender's page dated Oct 1, 2026 · sourceConditions: Intro APR requires auto-pay from an FHB account (0.25% higher without) and applies to applications received 10/1–10/31/2026. $100 annual fee.
About HELOCs in Hawaii
With Hawaii's high property values, many homeowners have significant equity that can be accessed through a HELOC. Where lenders on this page publish a limit, the maximum combined loan-to-value (CLTV) is 70–90%. The introductory rates listed here run 24–60 months before converting to a variable rate, usually tied to the prime rate. Because the intro period ends, we rank by the variable APR that applies afterward.
Hawaii Mortgage Calculator
Defaults reflect Hawaii's high conforming limit of $1,249,125
$1,200,000
$240,000
Monthly P&I
$5,911
Est. Total
$6,561
incl. tax & insurance
Loan Amount
$960,000
Total Interest
$1,167,919
Estimates include property tax at 0.35% and homeowner's insurance at 0.30% of home value. Actual costs vary. Does not include HOA, PMI, or other fees.