Low fixed interest rates

Pay less interest and know what to expect

See rates

Save 0.25%* with AutoPay

Never miss a payment. Sometimes out-of-sight; out-of-mind is a good thing

Unemployment protection

Get peace of mind with our optional Credit Protection Plan


Apply now


*APR = Annual Percentage Rate. This offer can be cancelled or changed at any time. Rates range from 5.75% to 18.00% Annual Percentage Rate (APR) based on the specific characteristics of your credit application, including but not limited to evaluation of credit worthiness and income verification. Loan amount must meet $500 minimum requirement. New Personal Loans are eligible for a 0.25% discount with automatic transfer from either share draft, share account with ACH payroll deposit, or payroll deduction; rate as low as 4.24% without. (Payment example: Loan amount of $1,000 at 5.75% APR for 12 months would have a monthly principal and interest payment of $85.14 for a total loan amount of $1,021.67). Personal Loans available from 12 to 72 months. Other loan products available. Subject to HawaiiUSA's loan terms and conditions. Membership guidelines may apply. Other restrictions may apply. Insured by NCUA.


What does your next step look like?

A personal loan from Hawaii Federal Credit Union can be used for many purposes. What's yours?




How to get started: 

  1. Choose how much to borrow and see your estimated monthly payment
  2. Tell us about yourself
  3. Complete your application


Apply now


All calculators and tools are supplied as a courtesy only. HawaiiUSA Federal Credit Union is not responsible for the accuracy or completeness of information that you provide or information generated by the calculators. Please check your records carefully before inputting your information into the calculators or tools. All projected rates and results are estimates, are examples only, and are necessarily hypothetical in nature. No results are guaranteed. The output of the tools and calculators may vary with each use and over time. Please remember that the calculators and tools are not intended to replace the advice of qualified professionals, and you should consult with a qualified professional of your choice whenever specific advice is necessary or appropriate.


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