808Rates
LFCU

Lokahi Federal Credit Union HELOC rates

NCUA InsuredLast checked Nov 9, 2026

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

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

How Lokahi FCU compares

HELOC (variable APR after intro)
7.03% APR · 4th lowest of 11 (HELOC up to 80% LTV (24-mo 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 (24-mo intro)
Intro APR
4.990%
Variable APR
7.03%
Max line
$400,000
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Intro APR for new applications 10/1–12/31/2026, owner-occupied, up to 80% LTV; $25,000 minimum initial draw (or the full line if smaller), line kept open 6+ months. Variable APR 7.025% until 2/28/2027, then 26-week Treasury plus 3.50% (18.00% cap). Fee-simple Hawaii property. Membership required: people who live, work, worship or attend school on Oahu.
HELOC up to 80% LTV (36-mo intro)
Intro APR
5.240%
Variable APR
7.03%
Max line
$400,000
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Intro APR for new applications 10/1–12/31/2026, owner-occupied, up to 80% LTV; $25,000 minimum initial draw (or the full line if smaller), line kept open 6+ months. Variable APR 7.025% until 2/28/2027, then 26-week Treasury plus 3.50% (18.00% cap). Fee-simple Hawaii property. Membership required: people who live, work, worship or attend school on Oahu.
HELOC up to 80% LTV (60-mo intro)
Intro APR
5.490%
Variable APR
7.03%
Max line
$400,000
Checked Nov 9, 2026Lender's page dated Nov 1, 2026 · sourceConditions: Intro APR for new applications 10/1–12/31/2026, owner-occupied, up to 80% LTV; $25,000 minimum initial draw (or the full line if smaller), line kept open 6+ months. Variable APR 7.025% until 2/28/2027, then 26-week Treasury plus 3.50% (18.00% cap). Fee-simple Hawaii property. 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 Lokahi FCU's page. Our verified history for HELOC rates starts Sep 30, 2026.

HELOC up to 80% LTV (24-mo intro)

7.03% APR since Oct 3, 2026, with no change.

HELOC up to 80% LTV (36-mo intro)

7.03% APR since Oct 3, 2026, with no change.

HELOC up to 80% LTV (60-mo intro)

7.03% APR since Oct 3, 2026, with no change.

More Lokahi 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