Check our rates for credit cards, auto loans, home improvement loans, and other personal loans. 

The latest rates from HawaiiUSA Federal Credit Union

Personal Loan Rates

Last updated: December 6, 2023
Account Term APR
Personal Loans12 Monthsas low as 8.50%
Personal Loans24 Monthsas low as 8.75%
Personal Loans36 Monthsas low as 9.00%
Personal Loans48 Monthsas low as 9.50%
Personal Loans60 Months (minimum $10,000)as low as 9.99%
Personal Loans72 Months (minimum $10,000)as low as 11.00%
Overdraft Line of Credit Up to $5,00013.00%
Life Matters Cash Back Visa® Credit Card8.00-16.90%
Life Matters Premium Cash Back Visa® Credit Card17.99%
New Auto LoansUp to 36 Monthsas low as 5.75%
New Auto LoansUp to 48 Monthsas low as 5.90%
New Auto LoansUp to 60 Monthsas low as 6.00%
New Auto LoansUp to 72 Monthsas low as 6.24%
New Auto LoansUp to 84 Monthsas low as 8.15%
Used Auto LoansUp to 36 Monthsas low as 6.75%
Used Auto LoansUp to 48 Monthsas low as 6.90%
Used Auto LoansUp to 60 Monthsas low as 7.00%
Used Auto LoansUp to 72 Monthsas low as 7.25%
Home Improvement Loan (min $5,000)60 Months8.25%
Home Improvement Loan (min $10,000)72 Months8.75%
Home Improvement Loan (min $10,000)84 Months9.00%
Home Improvement Loan (min $10,000)120 Months9.75%
"Green" Home Improvement Loan (min $5,000)60 Months8.25%
"Green" Home Improvement Loan (min $10,000)72 Months8.50%
"Green" Home Improvement Loan (min $10,000)84 Months8.75%
"Green" Home Improvement Loan (min $10,000)120 Months9.50%
"Green" Home Improvement Loan (min $15,000)180 Months10.25%
"Green" Home Improvement Loan (min $10,000)5/15 Year Balloon8.25%

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 October 1. 2023. Subject to change without notice.

New Auto Loans for an EV or Hybrid vehicle are eligible for a 0.25% discount.

Used Auto Loans for an EV or Hybrid vehicle are eligible for a 0.25% discount.

HOME IMPROVEMENT LOAN/GREEN LOAN. APR = Annual Percentage Rate. Terms available from 60- to 180-months with rates ranging between 8.25% - 10.25%; minimum balance for loan may apply and ranges between $5,000 - $15,000 based on term. All proceeds must be for home improvements to owner occupied principal residence; invoice receipts or contracts may be reviewed to verify proper usage. A $41 filing fee for UCC F/S will be assessed for loans of $25,000 or more for photo voltaic systems. 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. Payment example: a loan amount of $30,000.00, 15-year term at 10.25%, would have monthly payments about $326.76. Loan must be with tax credits for PV systems. We do business in accordance with the federal Fair Housing Act and the Equal Credit Opportunity Act.

Personal loans FAQs

All Personal 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 are available. Rate will increase if automatic transfer or payroll deduction is discontinued.

A personal loan can be used for various purposes, such as debt consolidation, home improvements, medical expenses, education costs, wedding expenses, travel, major purchases, starting a small business, and emergency needs. It provides funds to cover your expenses and is typically repaid over a fixed period with interest. Look for a loan with a fixed interest rate that doesn’t fluctuate, so you can predict your future payments.