Account Term APR
Personal Loans 12 Months as low as 3.99%
Personal Loans 24 Months as low as 6.25%
Personal Loans 36 Months as low as 6.75%
Personal Loans 48 Months as low as 7.00%
Personal Loans 60 Months as low as 6.75%
Personal Loans 72 Months (minimum of $20,000) as low as 8.25%
Signature Line of Credit Up to $30,000 Write your own loan up to your credit Limit, using Line of Credit checks. Variable rate adjusts annually in Jan. 4.50%
Overdraft Line of Credit Up to $5,000 13.00%
Life Matters Cash Back Visa® Credit Card 8.00% - 17.99%
New Auto Loans Up to 36 Months as low as 4.50%
New Auto Loans Up to 60 Months as low as 4.50%
New Auto Loans Up to 72 Months (minimum of $20,000) as low as 4.50%
New Auto Loans Up to 84 Months (minimum of $20,000) as low as 4.50%
Used Auto Loans Up to 36 Months as low as 5.00%
Used Auto Loans Up to 60 Months as low as 5.00%
Used Auto Loans Up to 72 Months (minimum of $20,000) as low as 5.00%
Home Improvement Loan (min $5,000) 60 Months 5.75%
Home Improvement Loan (min $10,000) 72 Months 7.00%
Home Improvement Loan (min $10,000) 84 Months 7.75%
Home Improvement Loan (min $10,000) 120 Months 8.50%
"Green" Home Improvement Loan (min $5,000) 60 Months 5.75%
"Green" Home Improvement Loan (min $10,000) 72 Months 6.50%
"Green" Home Improvement Loan (min $10,000) 84 Months 7.25%
"Green" Home Improvement Loan (min $10,000) 120 Months 8.00%
"Green" Home Improvement Loan (min $15,000) 180 Months 8.75%
"Green" Home Improvement Loan (min $10,000) 5/15 Year Balloon 6.75%

 

APR = Annual Percentage Rate. Other loan products available. Certain conditions apply on loans. Rates for Personal and Automobile Loans determined on applicant(s) credit history. No refinancing of existing HawaiiUSA FCU consumer loans. New loans only. All loans except 1st & 2nd Mortgages, Lines of Credit, Variable Rate loans and credit cards are eligible for a .25% discount with automatic transfer from either share draft, share account with ACH payroll deposit or payroll deduction. Additional discounts available. Rate will increase if automatic transfer or payroll deduction is discontinued. Loan rates and terms as of November 14, 2022. Subject to change without notice.

*PERSONAL LOAN PROMOTION: Minimum Loan amount is $10,000. No refinancing of any HawaiiUSA FCU loan, line of credit, or credit card. Loans not meeting the loan promotion criteria for Tier 1 Personal Loans for 60 months will qualify for a 7.75% interest rate. 

HOME IMPROVEMENT LOAN/GREEN LOAN. All proceeds must be for home improvements to owner occupied principal residence; invoice receipts or contracts should be reviewed to verify proceeds used for home improvement purposes. 70% or more of loan proceeds must be for green products and installation cost. Collect $41 filing fee for UCC F/S to be recorded for loans of $25,000 or more for photo voltaic systems. Option for a one-time re-amortization of the remaining balance within the remaining terms of the original maturity after principal reduction is available within the first 24 months of loan origination. UCC F/S expired in 5 yrs- UCC F/S renewal extension not required for remaining term. Loans to finance leasing of PV units for the purpose of purchasing electrical rates from leasing company shall be limited to terms of 7 years or less. Loan must be with tax credits for PV systems. UCC Financial Statement to be filed. 5/15 Yr. balloon loan is only available for outright purchases of the PV system. Borrowers should be advised of pay-off requirement at 5 year maturity. Discount on 60 Mo HIM/Green Loan not applicable. Discount on 5/15yr balloon applicable. We do business in accordance with the federal Fair Housing Act and the Equal Credit Opportunity Act.