Spring Into Upgrades with Your Home’s Equity

Tap into your home’s equity this spring and open the door to the possibilities you’ve been dreaming about. A Home Equity Line of Credit gives you flexible access to funds—so you can refresh your space, tackle renovations, or cover major expenses with confidence. Borrow up to $750,000 for whatever you need, and enjoy added savings with no appraisal required on loan amounts under $250,000.

How a Home Equity Line of Credit Can Help You

  • Refresh your kitchen or bathroom with new flooring, paint, and fixtures

  • Expand your outdoor living area with a new patio just in time for summer

  • Tackle essential repairs so your home feels as good as it looks

  • Consolidate high‑interest debt into one manageable payment

First Mortgage Loans

  • First Mortgage 30-Year Fixed

  • First Mortgage 20-Year Fixed

  • First Mortgage 15-Year Fixed

Second Mortgage Loans

  • Second Mortgage 20-Year Fixed

  • Second Mortgage 15-Year Fixed

Home Equity Line of Credit

  • 15-Year Variable with a 5-Year Draw Period

With our competitive rates and guidance, we are making it easier for you to turn your home's equity into financial flexibility—while planning confidently for tomorrow!

For current mortgage rates and terms, contact our Loan Department at (808) 245-2192 or send an e-mail at loans@gardenislandfcu.com.

 

To apply for a Home Equity, please complete the form below and one of our Mortgage Loan officers will contact you.

Rates are based on borrowers' credit history and loan term. Final loan approval is subject to sufficient debt to-income ratio, good title to the property and other terms and conditions of Garden Island FCU’s loan policy. Loan amount request over $250,000.00 requires an appraisal at your expense and at a cost estimated between $400 and $1,000.00. You must maintain fire, hurricane, and flood insurance (if applicable). All offers are subject to credit approval. Rates and terms are subject to change without notice. Additional terms, conditions, and restrictions may apply. Membership at Garden Island FCU is required prior to funding.