The Hawaii Central Federal Credit Union is a home equity line of credit from Hawaii Central Federal Credit Union. The ongoing APR is Up to 3 year introductory rate 5.25% APR for the first 36 months; variable rate as low as 8.00% APR (effective as of October 7, 2026); after the introductory period equal to the U.S. Prime Rate (WSJ) plus a 1.00% margin for 80% CLTV; never less than 4.25% or more than 18.00% after a Up to 3 year Introductory rate 5.25% APR introductory rate. Typical credit limit: Minimum credit line is $10,000 with an initial draw of $10,000. Loan terms: Draw period 15 years; term 30 years.