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: June 10, 2024
Account Term APR
Personal Loans12 Months (up to $10,000.00)as low as 8.50%
Personal Loans24 Months (up to $10,000.00)as low as 8.75%
Personal Loans36 Months (up to $10,000.00)as low as 9.00%
Personal Loans48 Months (up to $10,000.00)as low as 9.50%
Personal Loans60 Months (up to $10,000.00)as low as 9.99%
Personal Loans72 Months (up to $10,000.00)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%

PERSONAL LOAN
APR = Annual Percentage Rate. This offer can be cancelled or changed at any time. Rates range from 8.50% 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 8.50% without. (Payment example: Loan amount of $1,000 at 8.50% APR for 12 months would have a monthly principal and interest payment of $87.30, a final payment of $87.22, for a total loan amount of $1,047.52). Personal Loans available from 12 to 72 months. Other loan products available. Subject to HawaiiUSA's loan terms and conditions. Personal Loan rates and terms as of June 1, 2024. Minimum membership length of 12-months required. Other membership guidelines and restrictions may apply.

AUTO LOAN
NEW AUTO LOAN: Financing available up to 125% of MSRP (loan to value ratio) based on credit score at time of application. Vehicle is considered “new” as long as title has never been issued to any other owner. The maximum interest rate is 18.00% APR. 84 month term available for loans $20,000.00 or higher for qualified borrowers. Not all applicants will qualify for the lowest rate, maximum loan to value ratio, or 84 month term. A .25% discount with automatic transfer from either share draft, share account with ACH payroll deposit or payroll deduction. Payment example: A 60-month loan of $10,000 at 6.00% fixed APR will have a monthly payment of $193.23. Rates current as of October 1, 2023, and are subject to change based on market conditions and borrower eligibility. Other rates and terms available. Subject to credit review. May not be combined with other offers. Membership eligibility is required. Other restrictions may apply.Used Auto Loans for an EV or Hybrid vehicle are eligible for a 0.25% discount.
USED AUTO LOAN: Financing available up to 115% of Kelley Blue Book retail value (loan to value ratio) based on credit score at time of application. The maximum interest rate for this offer is 18.00% APR. Not all applicants will qualify for the lowest rate, or maximum loan to value ratio. Payment example: A 60-month loan of $10,000 at 7.00% fixed APR will have a monthly payment of $197.89, with a final payment of $197.54. Rates current as of October 1, 2023, and are subject to change based on market conditions and borrower eligibility. Other rates and terms available. Subject to credit review. May not be combined with other offers. Membership eligibility is required. Salvage and rebuilt title vehicles do not qualify. Other restrictions may apply. Used Auto Loans for an EV or Hybrid vehicle are eligible for a 0.25% discount.

HOME IMPROVEMENT LOAN/GREEN LOAN
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.

CREDIT CARD
The HawaiiUSA Life Matters Cash Back Visa is also known as the 1% Cash Back Visa. Rates are based on creditworthiness. Maximum line available is $15,000.00, based on qualifications. Subject to HawaiiUSA’s loan terms and conditions. Minimum membership length requirement based on credit score. Other membership guidelines and restrictions may apply.

The HawaiiUSA Life Matters Cash Back Visa is also known as the 2% Cash Back Visa. Rate is a fixed 17.99% APR subject to creditworthiness and HawaiiUSA’s loan terms and conditions. Maximum line of $25,000.00, based on qualifications. Minimum membership of 12-months required to open account. Other membership guidelines and restrictions may apply.

Visa is not affiliated in any way with HawaiiUSA Federal Credit Union or this promotion. Visa is a registered trademark of Visa, Inc. in the United States and other countries. Apple Pay, Samsung Pay, and Google Pay are registered trademarks of Apple Inc., Samsung Electronics Co., Ltd., and Google Inc., respectively.

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, wedding expenses, travel, major purchases, 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.