Tap Into Your Home’s Equity

Make room for more memories by tapping into your home’s equity! Whether you’re upgrading your living room, consolidating debt, or making a large purchase, tapping into your home’s equity can give you the flexibility and funds you need. Plus, be able to borrow up to $750,000.00 for whatever you need. Appraisal waived on loan amounts borrowed less than $250,000.00.

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, for current loan rates please contact the loan department. Additional terms, conditions, and restrictions may apply. Cannot be combined with other offers. Membership at Garden Island FCU is required prior to funding.