Home Equity Line-Of-Credit

Leverage the equity in your home.

For: home improvements to home additions, the kids’ college education to a new car. Whatever the reason, our Home Equity Line of Credit may be the best way to pay.


*APR – Annual Percentage Rate **Requires a $10,000 draw at the time of closing
  • 80% Loan to Value - for single family homes - 75% Loan to Value – for condo & townhomes on Oahu.
  • Competitive interest rates - our rates are priced to provide good value.
  • No fees or closing costs - for loans under $250,000.
  • Generous limits - borrow up to $375,000 for owner occupied homes.
  • 5-year Draw with 180 months or 240 months Repayment Period
  • Quarterly rate adjustments – rates may change on a quarterly basis, unlike most programs that are subject to change monthly.
  • Easy process, friendly service - apply online or at any of our 2 branches for a fast and quick response and superb service.
  • 95% Loan to Value on owner-occupied homes on Oahu
  • Up to $250,000 limit depending on equity
  • 10-year Draw with 240 months Repayment
  • Property valuation required

Personal Line of Credit

  • Credit limits up to $15,000
  • No collateral required
  • Annual Percentage Rate (APR): based on credit worthiness

Auto Loans

Combine great loan rates and affordable monthly payments with fast, friendly service and you’ll find that our financing experience is the right choice for you.


  • Great rates – our rates are designed to lower the cost of buying a car.
  • Favorable financing – we offer financing up to 100% of the vehicle purchase price for new cars and 100% of the blue book value for used cars.
  • Flexible terms – we offer up to 84 month terms for new cars and 60 month terms for used cars.
  • Easy & quick loan process – apply online, by phone @ (808) 254-3566 or at any of our 3 branches and get a fast and quick response with superb service.
  • Pre-approval & Re-financing options – get a pre-approved auto loan to make that car purchase a quick and hassle free experience or re-finance your existing auto loan from another financial institution to a lower interest rate with affordable payments.
  • Be smart with GAP or MRC – Guaranteed Asset Protection (GAP) to protect against loan amounts that exceed the car value or Mechanical Repair Coverage (MRC) at costs far less than the dealers'.

Personal Loans

No collateral required with flexible rates and terms.

  • Terms: 12 months to 84 months
  • Annual Percentage Rate (APR): based on credit worthiness

Mortgage Loans

Whether buying a new home or re-financing your existing loan, our mortgage program provides you with choices. Come in to talk and we will help you find the right financing with the right terms to match your needs.


  • Competitive rates - Our first mortgage loans are competitively priced on a daily basis.
  • Flexible terms – 15 or 30 year fixed-rate loans along with points or no points options.
  • A friendly experience– Our goal is to help you find the right loan to match your needs for one of the biggest financial decisions in your life.

Share Secured Loan

As an alternative to withdrawing your savings or to build or rebuild your creditworthiness, this fully secured loan provides opportunities. Great for young adults who want to establish a credit rating or borrowers who want to rebuild their credit rating.


  • Maximum 120 month term
  • No credit approval
  • Fast, easy, convenient
  • Secured shares match outstanding loan balance

Loan Services

Loan by Phone

The service is FREE! Apply for the loan you need by calling (808) 254-3566 or one of our Loan Officers at any branch during our regular business hours. Or apply using our on-line Consumer Loan Application and we'll respond the same day or the next business day.

Electronic Loan Payments

Make a payment to your WCFCU loan remotely with our new Electronic Loan Payment program. This service is available 24 hours a day, 7 days a week. It’s fast, easy and secure!


  • Make a payment towards your loan or WCFCU Visa credit card using another financial institution’s Visa or MasterCard debit or credit card or your Discover credit card.
  • Make a payment towards your loan or WCFCU Visa credit card using your checking or savings account from another financial institution.
  • Review payment history up to 2 years.

This program allows you to make payments from another financial institution to your loan or visa credit card at Windward Community FCU. If you would like to make a loan payment from your WCFCU account, click here and sign into your Online Banking.

Please note that there is a $10.00 processing fee to use this service for payments greater than $50.00. If you choose to make a loan payment using the Electronic Loan Payments service, you agree to the fee.

Click here to make a payment to a Loan (Auto, Personal, Home Equity LOC)
Click here to make a payment to a Visa or Collection Account