Home, Sweet Home



Introductory Rate of 0.95% APR*

Get the most out of your home's value with a new Home Equity Line of Credit from Gather Federal Credit Union. You can make it work for you in many ways- Home Improvements, consolidate bills, college expenses and so much more!
 
  • Generous Credit Limits up to $450,000
  • Borrow up to 90% of the value of your home
  • No appraisal needed for loans up to $200,000
 
Contact us now at 808.246.1277 to lock into our special low introductory rate of 0.95% APR* up until October 12, 2020. Offer expires July 12, 2020.
 
 
*Initial Promotional Rate or 0.5% Annual Percentage Rate (APR) available until 10/12/2020 for all new home equity loans. After 10/12/2020, the rate is variable and will change to the prevailing rate at that time. As of 4/12/2020, the current prevailing rate is

4.75% 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.



Now is your chance to lower your

HELOC rate!

 If you already have a Home Equity Line of Credit with Gather FCU, you do not want to miss this opportunity to lower your rate.
 

Take an advance now, and receive a low 4.75% APR**. 

Offer expires July 12, 2020.
 
For questions or more information, please call our Loan Department at 808.246.1277.
 
 

*Annual Percentage Rate of 4.75% is effective 4/12/2020 - 7/12/2020 when you take an advance of $500 or more. **5.25% APR is our Current Formula Rate which will be used for any later adjustments. After 7/12/2020, the rate is variable and will change to the prevailing rate at that time. As of 4/12/2020, the current prevailing rate is 4.75% 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%. Gather FCU HELOC has a 5-year draw period with a 15-year amortized repayment (principal and interest payment). If your draw period has expired, you can contact us for an application to extend the draw period. Requests over $200,000 require an appraisal at your expense and at a cost estimated between $400 and $1,000. 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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