HawaiiUSA has special options available for members facing financial hardships due to the impacts of COVID-19. The safety and health of our loyal members and dedicated employees is of utmost importance to us.

Emergency Relief Loan1

Safely apply and sign online, without needing to leave the comfort of home. Your funds will be readily available in a one-time deposit to help with needs such as medical bills, living expenses, or transportation.

  • Free up cash: No payment required for the first 90 days of your loan
  • Save with a competitive rate: Fixed 4.00% Annual Percentage Rate
  • Peace of mind: Borrow as little as $500 and up to $5,000 maximum
  • Flexible ways to pay: Terms up to 48 months
  • No fees: We won't make you pay annual, transactional, penalty, or prepayment fees
  • Build healthy credit: Schedule automatic loan payments from Savings or Checking to pay on-time, every time

Apply Online


Payment options for existing term loans and lines

If you have a current HawaiiUSA loan or line of credit with us, you may be eligible to defer your payment for one month, and up to a maximum of three times. Loans and lines that are eligible for deferred payments are Personal Loans, Auto Loans, Overdraft Lines of Credit, Signature Lines of Credit, Home Equity Lines of Credit, and Second Mortgages. 

Get started

First Mortgage payment options

Members who are seeking assistance with their First Mortgage due to temporary financial hardship may qualify for relief programs. Please call HawaiiUSA’s servicing partner, Bank of Hawaii at (808) 694.7297 to learn about available options.

Credit limit increase

Members who have an existing Signature Line of Credit may be eligible to request an increase up to $5,000. 

Get started

HELOC Advance2

Members with an available balance on their Home Equity Line of Credit (HELOC) may advance funds by simply logging into Online Banking or our Mobile App, and transferring funds from their HELOC to their desired HawaiiUSA Share account.

Log in to Online Banking

Student Choice Loan payment options

Members who have an existing Student Choice Loan may be eligible for a three-month deferral (COVID-19 forbearance). To learn more or request a deferral, visit: https://hawaiiusafcu.studentchoice.org/coronavirus-pandemic-information/

Helping you through times of uncertainty

From dealing with reduced income to managing your spending to protecting your business, we've gathered some resources to help you through these difficult times. 

Learn more

Small Business Grants

Many small businesses have been significantly impacted as a result of the COVID-19 outbreak. At HawaiiUSA, we understand just how important it is to take care of your employees, as well as your company, during this difficult time. That’s why we’ve partnered with the following counties to provide financial assistance to qualified small businesses.

Apply Now


1 Personal Emergency Relief Loan. New loans only. Borrow up to $5,000, 48 month term. No payments for the first 90 days. For a $5,000.00 loan, 48 monthly principal and interest payments of $113.66 per month. Fixed 4.00% APR includes 0.25% discount for automatic payment from HawaiiUSA checking or payroll deduction (0.25% higher without). No prepayment penalties. Subject to HawaiiUSA FCU terms and conditions.

2Minimum advance fees apply for advances less than the minimum allowed under your Home Equity Line of Credit program. See your Home Equity LoanLiner agreement for details.

Digital Banking

Make deposits, transfer money, and pay bills from the comfort of home. Enroll at https://online.hawaiiusafcu.com/Registration or download the HawaiiUSA FCU mobile app.

Button to download Mobile Banking App on the App Store Button to download Mobile Banking App on Google Play