Mortgage Loan

We offer both first and second mortgages, as well as Adjusted Rate Mortgages.

Your credit union is committed to providing home mortgage loans at competitive rates. Hawaiian Tel Federal Credit Union (HiTel FCU) provides:

  • An interactive approach to the residential loan process.
  • Loans for purchase and refinance of all noncommercial real estate.
  • Loan services at a fraction of the usual cost all from the comfort of your home or office.

Please note that HiTel FCU will only finance real estate homes in the State of Hawaii.

See just how much you can save at HiTel FCU. Review our rates and see what you can afford with our mortgage pre-qualification calculator. Our loan calculators will provide you with monthly payments and interest paid based on the term of the loan.

After you find how much HiTel FCU will save you, fill out our online application.

Call 1-808-832-8740, for today's current rates or click here.

Home Equity Credit Line
Take advantage of your home's equity for possible tax advantages. Make your home work for you.
  • Up to $200,001 to $250,000 or 1st & 2nd mortgages not to exceed 70% of Fair Market Value (NO POINTS)
  • $250,001 to $300,000 or 1st + 2nd mortgages not to exceed 65% of Fair Market Value (NO POINTS)
  • Rate is Variable
  • Applicant must be a Owner/Occupant
  • 5 year draw / 5 year option
  • 20 year term / Amortization based on remaining term
  • Rates adjust quarterly

To apply online, click here.

Home Equity Line of Credit (HELOC) Rate
Type of Loan


* Annual Percentage Rate

If you need more information about this account, please email the Loans department at or call 1-808-832-8740.