HCFCU

Hawaii Central Federal Credit Union HELOC rates

NCUA InsuredLast checked Nov 9, 2026

Today's posted HELOC rates from Hawaii Central Federal Credit Union, copied from its own website, and every change we have recorded since Sep 30, 2026. 808rates is independent and not affiliated with HawaiiCentral FCU; no lender pays to be listed or ranked.

For people who live, work, worship or attend school on Oahu · Check eligibility

How HawaiiCentral FCU compares

HELOC (variable APR after intro): 8.00% APR · tied 8th lowest of 11 (Owner-Occupant HELOC (3-yr intro))

Compare HELOC rates at every Hawaii lender →

Today's HELOC rates

Ranked by lowest variable APR after the intro period ends; ties go to the lower intro rate.

Owner-Occupant HELOC (3-yr intro)

Intro APR

5.250%

Variable APR

8.00%

Max line

See lender

Checked Nov 9, 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.

Rate history

Each date is when the rate listed on 808rates.com changed, copied from HawaiiCentral FCU's page. Our verified history for HELOC rates starts Sep 30, 2026.

Owner-Occupant HELOC (3-yr intro)

8.00% APR since Oct 8, 2026, with no change.

More HawaiiCentral FCU rates

HELOC rates at other Hawaii lenders

Rates are copied exactly from each lender's own page and can change at any time; confirm with the lender before applying. How we collect and rank rates