Summer projects made possible with your Home’s Equity

This summer, let your home’s equity work harder for you. A Home Equity Line of Credit with Garden Island FCU gives you the freedom to take on the projects, plans, and possibilities that make the season unforgettable. Whether you’re upgrading your outdoor space, refreshing your interior, consolidating debt, or covering major expenses, a HELOC gives you flexible access to the funds you need — when you need them.

Borrow up to $750,000 to bring your summer goals to life, and enjoy added savings with no appraisal required on loan amounts under $250,000. It’s a simple and affordable way to turn your plans turn into reality!

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.