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 rates up to 4.00% Annual Percentage Rate
  • Peace of mind: Borrow as little as $500 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

If you have a current HawaiiUSA term loan with us, you may be eligible to defer your loan payment for one month, and up to a maximum of three times. Lines of Credit (HELOC, Signature, Overdraft) do not qualify for deferral. Subject to other terms and conditions. Learn more by messaging us here

Credit limit increase

Members who have an existing Signature Line of Credit may be eligible to request an increase up to $5,000. Subject to other terms and conditions. Learn more by messaging us here

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/


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.


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