ONE LOAN Endless Possibilities

Home Equity Line of Credit

Take a vacation, remodel your home, consolidate bills, and much more!

Other Advantages of a Gather FCU HELOC
  • Borrow up to 90% of Home Value
  • No appraisal needed (up to $200,000)
  • Limits up to $450,000
Offer expires July 31, 2022
Call our Loan Department at 808.246.1277 to make an appointment.

*APR= Annual Percentage Rate and is subject to change. Initial Promotional Rate of 0.00% Annual Percentage Rate (APR) available until 07/31/2022 for all new home equity loans. After 01/12/2023, the rate is variable and will change to the prevailing rate at that time. **As of 4/12/2022, the current prevailing rate is 3.75% APR. Rates will be determined on the twelfth day of January, April, July and October. All accounts are subject to a rate change at the close of business on January 12 (Annual Change Date). The Annual Percentage Rate (APR) will never increase above 18.00%. Requests over $200,000 require an appraisal at your expense and at a cost estimated between $400 and $1,000. Gather FCU HELOC has a 5-year draw period with a 15-year amortized repayment (principal and interest payment). You must maintain fire, hurricane and flood insurance (if applicable) on the property that secures the HELOC. HELOC must be secured by owner-occupied, fee-simple property located on Kauai. Maximum loan amounts are up to $450,000 on a first mortgage or $200,000 on a second mortgage. Final loan approval is subject to sufficient income-to-debt ratio, good title to the property and Gather FCU’s determination of the value of the property. This offer is subject to other terms and conditions of Gather FCU’s loan policy. Member agrees to sign any and all documents required to create a valid loan and security agreement prior to issuance of loan proceeds. We do business in accordance with the Federal Fair Housing Law and the Equal Opportunity Act. Program is subject to change or discontinuation without notice.

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