LOG IN PERSONAL BUSINESS PERKS COMMUNITY RATES LOG IN RATES > HOME LOANS Home Loan Rates OWNER-OCCUPANT (HELOC) Our Home Equity Line of Credit allows you to borrow against your home’s accumulated equity without disturbing your savings or other investments. These funds can be used for home improvements, to help pay for college tuition, or that long needed vacation. This revolving line-of-credit is a convenient way to borrow and make the most out of your home’s equity! SEE RATES & DETAILS CONTACT US NON OWNER-OCCUPANT HELOC Our Home Equity Line of Credit allows you to borrow against your investment home’s accumulated equity without disturbing your savings or other investments. These funds can be used for home improvements, to help pay for college tuition, or that long needed vacation. This revolving line-of-credit is a convenient way to borrow and make the most out of your home’s equity! SEE RATES & DETAILS CONTACT US VACANT LAND LOANS Found the perfect lot but aren’t ready to begin construction on your dream home yet? Our Land Loans can help you secure property even if you’re not quite ready to begin building just yet. SEE RATES & DETAILS CONTACT US CONSTRUCTION LOANS Whether you already have a contractor lined up or plan to be your own contractor, our Construction Loans can fit your specific needs! Although a bonded contractor is recommended, it is not required for our Construction Loans. From Owner/Builder to Contractors, our Construction Loans can help you build the home of your dreams. SEE RATES & DETAILS CONTACT US FIXED 2ND MORTGAGES With low mortgage interest rates, now might be the perfect time to see if you can refinance at a lower rate or become a new homeowner. Our mortgage loans offer competitive rates and an experienced staff that will help you achieve your goals. SEE RATES & DETAILS CONTACT US MAIN BRANCH 681 South King Street Honolulu, Hawaii 96813 HARKNESS BRANCH 1301 Punchbowl Street Harkness Annex, Room 139 WEST OAHU BRANCH Temporarily Closed MEMBER SERVICES (808) 536-3677 CONSUMER LOANS (808) 536-0833 REAL ESTATE LOANS (808) 529-4599 NMLS#412820 HOURS & ATMS MEMBERSHIP CONSUMER RATES & FEES BUSINESS RATES & FEES CAREERS PRIVACY POLICY Your savings are federally insured to at least $250,000. National Credit Union Administration, a U.S. Government Agency. Deposits additionally insured up to $500,000 by Excess Share Insurance. © 2021 Hawaii Central Federal Credit Union. All Rights Reserved Creative Range by Live Chat