IS YOUR FAMILY GROWING? YOUR HOME CAN, TOO. INTEREST-ONLY PAYMENT HOME EQUITY LINE OF CREDIT INTEREST-ONLY PAYMENTS & COMPETITIVELY LOW RATES Learn more: hawaiiusafcu.com/heloc Hawaii USA FEDERAL CREDIT UNION FOUNHOUSE LENDER Insured by NCUA After the initial fixed-rate term, the APR may vary on a quarterly basis, with a maximum of 18.00% or the maximum permitted by law, whichever is less. Certain third-party fees generally ranging from $400-$1400 are required to open the plan. Fire, hurricane, and flood (if applicable) insurance is required on the property that secures the credit. Hawaii USA membership is required. IS YOUR FAMILY GROWING ? YOUR HOME CAN , TOO . INTEREST - ONLY PAYMENT HOME EQUITY LINE OF CREDIT INTEREST - ONLY PAYMENTS & COMPETITIVELY LOW RATES Learn more : hawaiiusafcu.com/heloc Hawaii USA FEDERAL CREDIT UNION FOUNHOUSE LENDER Insured by NCUA After the initial fixed - rate term , the APR may vary on a quarterly basis , with a maximum of 18.00 % or the maximum permitted by law , whichever is less . Certain third - party fees generally ranging from $ 400- $ 1400 are required to open the plan . Fire , hurricane , and flood ( if applicable ) insurance is required on the property that secures the credit . Hawaii USA membership is required .