The Hawaii Federal Credit Union is a home equity line of credit from Hawaii Federal Credit Union. Application typically pulls a hard report from Experian. The ongoing APR is The variable Annual Percentage Rate may be from 5.00% to 18.00%. The variable rate is based on the 6-month Treasury Bill (5.00% as of 4/21/2023) plus a margin and is subject to change semiannual.. Typical credit limit: Loan amounts are offered from $25,000 to $250,000. Loan terms: You can obtain credit advances for 6 years. This period is called the "draw period.".