The Kauaʻi Federal Credit Union is a home equity line of credit from Kauaʻi Federal Credit Union. The ongoing APR is After the 24-month introductory period, a variable rate equal to the WSJ Prime Rate plus a margin ranging from 0.50% to 3.50%, depending on creditworthiness; as of September 16, 2026 the WSJ Prime Rate is 7.00%; floor rate 3.00% APR; maximum APR 18.00% after a 4.99% APR for two years - primary residence; 5.99% APR for two years - investment properties (applies to new HELOC applications October 1-31, 2026) introductory rate. Typical credit limit: Minimum loan amount: $25,000; maximum loan amount: $450,000; minimum initial draw: $5,000. Loan terms: Draw period: 5 years; payment due on the 15th of each month.