Elevate Your Banking Experience with HFS
Seamlessly manage your finances anytime anywhere.
Your Goals, Funded
Take advantage of our low personal loan rates starting at 4.75% APR1 for 12 months2, or 6.75% APR for 60 months3, PLUS No Payments for 3 months4!
$60,000 in Scholarships
Applications are now available for the 2026 HFS FCU Scholarship Program.
Build Your Paradise
Have you ever dreamed of owning your own piece of paradise? With HFS Federal Credit Union, that dream is closer than you think.
Make Waves with Everyday Purchases
Get 2% Cash Back, pay no annual fee, plus earn 30,000 CURewards® points when you make $3,000 in purchases in the first 90 days of opening your HFS Visa Signature® Credit Card.
Refer a Friend
Do you know someone who would be a great addition the HFS ‘ohana? Want to share all the benefits of being a member and get rewarded? Our new Refer a Friend Program lets you do just that! Simply refer a new member and you both will receive $25!
Hilo
Honoka’a
Kea’au
Kona Coast
Prince Kuhio Plaza
Waimea
Personal Loan Rates
| Term | Min APR(1) | Max APR |
|---|---|---|
| Up to 12 months |
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| 13 to 36 Months |
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| 37 to 60 Months |
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Rates effective as of: January 11, 2026
Disclosures
1APR=Annual Percentage Rate. Rates are effective as of January 1, 2026. 2The 4.75% APR is derived by discounting the rate of 5.00% APR with a 0.25% discount for automatic payments. Monthly payments at 4.75% APR for 12 months will be $857.90 per $10,000.00 borrowed. The actual rates and APR depend on credit history and loan terms. Subject to credit approval. Other rates and terms are available. Applications may be submitted online or at any HFS FCU branch location.
Subject to credit approval. Rate may vary based on individual creditworthiness and loan term.
Membership with the Credit Union is open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawai’i. A minimum opening balance of $50.00 is required to open a Savings Account. Insured by NCUA.
Visa Platinum® Credit Card Rates
| Annual Percentage Rate (APR) for Purchases and Cash Advances |
12.25 This APR will vary with the market based on the Prime Rate. |
| Annual Percentage Rate (APR) for Balance Transfers |
1.99% Introductory APR for 12 months from account opening. After that, your APR will be 12.25%. This APR will vary with the market based on the Prime Rate. |
| How To Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at https://www.consumerfinance.gov/learnmore. |
| Fees | Rates |
|---|---|
| Annual Fee |
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| Balance Transfer Fee |
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| Cash Advance Fee |
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| Foreign Transaction Fee |
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| Late Payment Fee |
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| Returned Payment Fee |
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| Late Payment Fee | 10.00% | of your current required minimum payment, if you are 10 or more days late in making a payment. However, the fee will not exceed $25.00. |
| Returned Payment Fee | $25.00 | or the amount of your current required minimum payment, whichever is less. |
| Emergency Card Replacement Fee | $100.00 | for requests originating and delivered inside the U.S. |
| Emergency Card Replacement Fee | $165.00 | for requests originating or delivered outside the U.S. |
| Rush Fee | $80.00 | |
| Statement Copy Fee | $5.00 | per copy |
| Account Research Fee | $25.00 | per hour (minimum 1 hour) |
Rates effective as of: January 11, 2026
APR= Annual Percentage Rate. Rate is 12.25% APR as of January 1, 2026. The stated rate of 12.25% APR is a variable rate and is based upon the Prime rate (index) as published in the Wall Street Journal plus a margin of 5.50%. The APR may be adjusted quarterly on the first day of January, April, July, and October with a maximum rate of 18%. The index value is determined as of 10 days before the date of any annual percentage rate adjustment. The current index value is 6.75% as of 1/01/2026.
All Credit Cards are subject to credit approval.
Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the Island of Hawai’i. A minimum opening balance of $50.00 is required to open a Savings Account.
How We Will Calculate Your Balance.
We use a method called “average daily balance (including new purchases)”.
Promotional Period for Introductory APR:
The Introductory APR for balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account. Any existing balances on HFS Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
Effective Date.
The information about the costs of the card described in this application is accurate as of January 1, 2026. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Visa Platinum is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.
Open Account
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