Home Equity Line of Credit Programs
Unlock the equity in your home and use it for what’s important to you and your family. With our Home Equity Line of Credit, you can remodel your home, upgrade your appliances, pay for college, consolidate your debt into one monthly payment, or pay for large purchases or any unplanned emergency expenses.
Why choose our HELOC Programs?
- No Annual Fee
- Limits up to $400,000
- Competitive Introductory Rates
- Easy and convenient access
- Certain Closing Costs Waived
- Draw periods up to 10 years
- Up to 20-year amortization
- Up to 90% Loan to value
- Investment property HELOC programs available
Visit any of our branch locations today to learn more or call us to schedule an appointment with one of our loan specialists.
* Membership with VICFCU is required. Only improved residential property in Hawaii is accepted as collateral. You are required to reimburse VICFCU for all waived fees if HELOC is paid off and closed within 3 years of its opening. Property insurance is required. Lien must be in 1st position for limits in excess of $250,000. Rates, terms, and conditions are subject to change without notice. Other terms and conditions apply.