Home Equity Loans & Lines of Credit

Life's to-do list can be lengthy, and costly. Use your home's equity to take on big projects, address large expenses or consolidate debt to save money. We'll help you make your home's equity work for you.

Your home holds the key

What plans do you have in mind? Your home's equity could help you get there. Home additions and remodeling are always popular, but you can also use this affordable funding to pay for a family vacation, wedding celebration, college education or to consolidate higher-interest debt. At Maui County FCU, we'll help you take advantage of this option with attractive rates.

  • Our current fully indexed rate for good credit is significantly less than other lenders
  • Choose a lump sum loan with stable monthly payments
  • Opt for a line of credit you can draw on anytime while paying only on what you use
  • Borrow between $20,000 and $250,000
  • For the HELOC, you can access money for up to 10 years and take up to 20 years to repay the principal and interest
  • Annual interest payments may be tax-deductible (consult your financial advisor)
  • Closing costs waived in certain circumstances
  • Not available for modular homes, manufactured homes, cooperatives, leasehold properties or condotels

Questions about how a HELOC could work for you? Our friendly mortgage team can help you sort through the options. Email us at [email protected].