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Hawaii State Federal Credit Union

Hawaii State Federal Credit Union HELOC rates

NCUA InsuredLast checked Nov 9, 2026

Today's posted HELOC rates from Hawaii State 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 Hawaii State FCU; no lender pays to be listed or ranked.

Open to most Hawaii residents · Check eligibility

How Hawaii State FCU compares

HELOC (variable APR after intro)
6.75% APR · 2nd lowest of 11 (HELOC up to 80% LTV (2-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.

HELOC up to 80% LTV (2-yr intro)
Intro APR
5.250%
Variable APR
6.75%
Max line
$399,900
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Intro APR for applications received from 11/1/2026; 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.
HELOC up to 80% LTV (3-yr intro)
Intro APR
5.500%
Variable APR
6.75%
Max line
$399,900
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Intro APR for applications received from 11/1/2026; 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.
HELOC up to 80% LTV (4-yr intro)
Intro APR
5.750%
Variable APR
6.75%
Max line
$399,900
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Intro APR for applications received from 11/1/2026; 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.
HELOC up to 80% LTV (5-yr intro)
Intro APR
5.750%
Variable APR
6.75%
Max line
$399,900
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Intro APR for applications received from 11/1/2026; 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.

Rate history

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

HELOC up to 80% LTV (2-yr intro)
Changes to HELOC up to 80% LTV (2-yr intro)
FromListed rate
Oct 21, 20266.75% APR
Sep 30, 20266.50% APR
HELOC up to 80% LTV (3-yr intro)
Changes to HELOC up to 80% LTV (3-yr intro)
FromListed rate
Oct 21, 20266.75% APR
Sep 30, 20266.50% APR
HELOC up to 80% LTV (4-yr intro)
Changes to HELOC up to 80% LTV (4-yr intro)
FromListed rate
Oct 21, 20266.75% APR
Sep 30, 20266.50% APR
HELOC up to 80% LTV (5-yr intro)
Changes to HELOC up to 80% LTV (5-yr intro)
FromListed rate
Oct 21, 20266.75% APR
Sep 30, 20266.50% APR

More Hawaii State 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