Personal Emergency Relief Loan1

Get the funds you need to see you through

Loan payment deferral

For existing HawaiiUSA term loans. Contact us to request a deferral

HawaiiUSA Credit Card assistance2

Maui members who have a HawaiiUSA Visa® Credit Card may be eligible to:

  • Defer payments for up to three statement cycles
  • Request a temporary credit line extension

Visit our Kahului Branch, Kihei Branch, or message/call our Member Solution Center to learn more.

Mortgage forebearance

If your Maui property has been impacted, you may be eligible to delay your monthly mortgage payments for a period of time through a forbearance plan.

Contact Mortgage Servicing at (808) 694.7297 or toll-free (877) 926.7297. Or email [email protected]

HawaiiUSA Credit Protection Plan

Are you involuntarily unemployed because of the recent wildfires? If you elected Payment Protection on your loan with us and you’re involuntarily unemployed, you may be able to utilize your HawaiiUSA Credit Protection Plan (HCPP). Your HawaiiUSA Credit Protection Plan is designed to cancel your protected monthly loan payment if you experience a protected loss, such as involuntary unemployment.

Start your claim by contacting us at (808) 844.8279

Payment Protection is an optional debt cancellation product made available on eligible loans by the credit union and is administered by CUNA Mutual Insurance Agency, a member of TruStage Financial Group. Please contact a member of HawaiiUSA Consumer Lending team for additional information.

Free Financial Coaching

Get confidential, trusted guidance from a certified HawaiiUSA financial coach. Get in touch with a coach

Read our Road to Recovery article


How could you use a relief loan?

  • Home repair
  • Auto repair
  • Medical bills
  • Temporary living expenses
  • Transportation
  • Other necessary expenses (i.e. caring for family, lost valuables)


Apply for a Relief Loan


Free up cash

  • Make no payments for the first 3 months

Competitive fixed rate

  • 5.25% APR
  • 5.00% APR with automatic payment from a Share Draft Checking or payroll deduction.

Favorable terms

  • Defer payments for the first 2 months
  • Terms up to 60 months
  • Fixed monthly payment with balloon payment at end of term

Payment example

Loan Amount Rate Monthly Payments Balloon Payment
$10,000 5.25% $81.09
(57 months)
(58th month)
$10,000 5.00% $79.74
(57 months)
(58th month)


1 No prepayment penalties. Subject to credit review and HawaiiUSA FCU terms and conditions. Other restrictions may apply.

Existing Credit Card accounts must be current and subject to terms and approval.