All Hawaii State FCU branches will be closed on Good Friday, Friday, April 3. For 24/7 access to your accounts, use Digital Banking or the HSFCU Mobile App.

Our hearts are with everyone affected by the recent, devastating floods. Hawaii State FCU members who have been directly impacted by the floods or government shutdown can visit our Emergency Member Relief Program page for more information on assistance options.

Become a Member
Back to Help Center

Q: What are the key features of a HELOC?

Variable Interest Rates: Most HELOCs have variable rates that can change based on market conditions, often tied to the prime rate.

Flexibility: Borrowers can use funds for various purposes, such as home renovations, education expenses, debt consolidation, or unexpected emergencies.

Interest-Only Payments: During the draw period, some HELOCs allow you to make interest-only payments, which can lower initial monthly costs.

Secret Link