Home Equity Loan & HELOC

Leveraging the equity in your home is a great way to help pay for college, home renovations or unexpected medical expenses — and there can be tax benefits as well (consult with your tax advisor to be sure). We offer two options, both featuring affordable rates and terms for owner-occupant and investor properties.

See Loan Rates  See Home Loan Checklist

Home Equity Loan

Borrow against the value of your home at a fixed rate and term.

Home Equity Line of Credit (HELOC)

A revolving line of credit that enables you to borrow money when and as you need it.


At Aloha Pacific Federal Credit Union, we strive to provide you with quick, safe and convenient services. You can begin the application process by clicking on the link below. We’ll get back to you as soon as possible.

At this time, we are only accepting HELOC applications that meet the following criteria:

  • Property must be located in the State of Hawaii
  • Property must be owner-occupied
  • 80% maximum Combined Loan to Value
  • $250,000 maximum line amount

HELOC applications that do not meet the above criteria are under a temporary moratorium during the ongoing pandemic.

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Membership ($5 in Regular Savings) required. A credit report will be required upon completion of a loan application.