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Loan Rates

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Personal Loans
  • Rates effective as of: April 13, 2024

    1 APR=Annual Percentage Rate. Rates are effective as of February 1, 2024. 2The 5.75% APR is derived by discounting the rate of 6.00% APR with a 0.25% discount for automatic payments. Monthly payments at 5.75% APR for 12 months will be $863.58 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.

New Auto Loan
  • Rates effective as of: April 13, 2024

    (1) APR= Annual Percentage Rate. The 5.50% APR is derived by discounting the rate of 6.00% APR with a 0.25% discount for automatic payments and an additional 0.25% discount for a 20% down payment. Monthly payments at 5.50% APR for 60 months will be $575.65 per $30,000 borrowed. The actual rates and APR depend on credit history and loan terms. Subject to credit approval. Other rates and terms 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.

    Out-of-state vehicle purchases are ineligible for an HFS Auto Loan.

    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.

  • Additional discounts available, applicable to the rates table:

    • 0.25% discount with Automatic Transfer from Share Draft, Share Account, or Payroll Deduction
    • 0.25% discount for a 20% down payment
Used Auto Loan
  • Rates effective as of: April 13, 2024

    (1) APR= Annual Percentage Rate. The 5.50% APR is derived by discounting the rate of 6.00% APR with a 0.25% discount for automatic payments and an additional 0.25% discount for a 20% down payment. Monthly payments at 5.50% APR for 60 months will be $575.65 per $30,000 borrowed. The actual rates and APR depend on credit history and loan terms. Subject to credit approval. Other rates and terms 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.

    Out-of-state vehicle purchases are ineligible for an HFS Auto Loan.

    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.

  • Additional discounts available, applicable to the rates table:

    • 0.25% discount with Automatic Transfer from Share Draft, Share Account, or Payroll Deduction
    • 0.25% discount for a 20% down payment
Personal Line of Credit
  • Rates effective as of: April 13, 2024

    (1) APR= Annual Percentage Rate. The stated rate is the lowest rate available. The actual rates and APR depend on credit history and is subject to credit approval. Other rates available. Applications may be submitted online or at any HFS FCU branch location. Rates are subject to change without notice.

    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.

Share Secured Loans
  • Rates effective as of: April 13, 2024

    APR=Annual Percentage Rate. Subject to credit approval. The Annual Percentage Rate (APR) you receive for the above accounts will be within the range disclosed and is based on certain credit-worthiness criteria. Ask the Credit Union for the rate you qualify for.

    All the advances are secured by any property specifically pledged and shares on deposit with the Credit Union. In addition ALL advances are cross-collateralized by all property and shares pledged to secure any sub-account or advance. For example, a car pledged to secure a New Automobile Sub-account will also secure a Signature sub-account. Cross-collateralization does not apply to your home, any Keogh or IRA accounts with us, or to property defined as household goods under Regulation AA or 12 CFR §706.

    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.

    Share Secured Loan: The Annual Percentage Rate (APR) for Share Secured advances will be the dividend rate being paid on regular shares (Index) on the date of the advance plus 2%. If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR. The rates will change as the dividend rate on the shares (Index) changes to reflect any change in the Index. Any increase in the APR will take the form of more payments of the same amount until what you owe has been repaid.

     

  • Late Charges:

    If you are more than ten (10) days late in making a payment, you will pay a late charge of 5% of the payment due with a minimum of $5.00.

    Collection Costs:

    You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.

Share Secured Line of Credit
  • Rates effective as of: April 13, 2024

    APR=Annual Percentage Rate. Subject to credit approval. The Annual Percentage Rate (APR) you receive for the above accounts will be within the range disclosed and is based on certain credit-worthiness criteria. Ask the Credit Union for the rate you qualify for.

    All the advances are secured by any property specifically pledged and shares on deposit with the Credit Union. In addition ALL advances are cross-collateralized by all property and shares pledged to secure any sub-account or advance. For example, a car pledged to secure a New Automobile Sub-account will also secure a Signature sub-account. Cross-collateralization does not apply to your home, any Keogh or IRA accounts with us, or to property defined as household goods under Regulation AA or 12 CFR §706.

    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.

    Share Secured Line of Credit: Line advances will be given in increments of $100.00. Your monthly payment will be calculated at $35.00 per $1,000.00 in line balance at the time of your billing cycle and is due on the last calendar day of every month. Rates are subject to change without notice.

  • Late Charges:

    If you are more than ten (10) days late in making a payment, you will pay a late charge of 5% of the payment due with a minimum of $5.00.

    Collection Costs:

    You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.

Home Equity Line of Credit (HELOC)
  • Rates effective as of: April 13, 2024

    (1) The initial discounted rate will be in effect for 12 months.
    (2) The current rate that would have applied without the initial discounted rate.

    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.

1st Mortgage
  • Rates effective as of: April 13, 2024

    Subject to credit approval. Rate may vary based on loan term.

    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.

  • Member will be responsible for all expenses incurred to secure the loan. This includes an initial deposit of $800.00 to defray expenses for:

    • Appraisal fee(s)
    • Residential Mortgage Credit Report(s)
    • Inspection fee(s)
    • Flood Certification fee(s)
    • Other incidental expenses that may be incurred to secure the loan

    Note: Member will pay before final closing any outstanding expenses exceeding the $800.00 deposit. Any balance of the $800.00 can be applied to escrow costs.

2nd Mortgage
  • Rates effective as of: April 13, 2024

    1 APR= Annual Percentage Rate is based on a maximum of 80% loan to value and includes a $200.00 document preparation fee. Member is responsible for all expenses incurred to secure the loan. APR does not include prepaid interest. Maximum loan amount of $822,375. 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.

  • Member will be responsible for all expenses incurred to secure the loan. This includes an initial deposit of $800.00 to defray expenses for:

    • Appraisal fee(s)
    • Residential Mortgage Credit Report(s)
    • Inspection fee(s)
    • Flood Certification fee(s)
    • Other incidental expenses that may be incurred to secure the loan.

    Note: Member will pay before final closing, any outstanding expenses exceeding the $800.00 deposit. Member will be refunded any balance of the $800.00 initial deposit at first disbursement, or any balance can be applied to escrow costs.

Construction to Permanent
  • Rates effective as of: April 13, 2024

    APR= Annual Percentage Rate. Example: 1A 30 year mortgage at 360 payments for the permanent phase with an annual percentage rate of 7.000% (interest rate of 7.000%). The construction phase would then have an interest only rate of 8.500%, which is equal to a margin of 1.5% over the permanent interest rate of 7.000%. The APR would be 8.000%. Subject to credit approval. Rate may vary based on loan term.

1st Mortgage Rates for Construction to Permanent Loans
  • Rates effective as of: April 13, 2024

    Subject to credit approval. Rate may vary based on loan term.

    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.

  • Member will be responsible for all expenses incurred to secure the loan. This includes an initial deposit of $800.00 to defray expenses for:

    • Appraisal fee(s)
    • Residential Mortgage Credit Report(s)
    • Inspection fee(s)
    • Flood Certification fee(s)
    • Other incidental expenses that may be incurred to secure the loan.

    Note: Member will pay before final closing, any outstanding expenses exceeding the $800.00 deposit. Member will be refunded any balance of the $800.00 initial deposit at first disbursement, or any balance can be applied to escrow costs.

Solar Water Heating Loans
  • Rates effective as of: April 13, 2024

    (1)APR = Annual Percentage Rate. 0.00% APR is effective 05/01/2013 and applies to personal loans for the purchase and installation of a solar water heating system from an approved contractor participating in Hawai’i Energy’s Solar Water Heating Loan Interest Buy-Down Program. $5,000 minimum, $10,000 maximum loan amount with terms up to five years. Estimated monthly payment for $7,000 at 0.00% APR for 60 months will be $116.67. All loans subject to HFS Federal Credit Union loan policies and subject to credit approval. Refinances of existing HFS Federal Credit Union loans do not qualify for this offer. Offered in conjunction with Hawai’i Energy, not related to HFS Federal Credit Union. Loan program is subject to change and may end at any time.

    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.

Vacant Land Loans
  • Rates effective as of: April 13, 2024

    (1) APR= Annual Percentage Rate. The stated rate is based on a Vacant Land Interest Only Loan with a balloon payment due at 36 months. Subject to credit approval. Rates are fixed for the life of the loan. Rate may vary based on loan type. Member will be responsible for all expenses incurred to secure the loan.

    (2) Monthly interest only payments with a balloon payment due at 36 months.

    Subject to credit approval. Rates are fixed for the life of the loan. Rate may vary based on loan type. Member will be responsible for all expenses incurred to secure the loan.

  • 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.

    Member will be responsible for all expenses incurred to secure the loan. This includes an initial deposit of $800.00 to defray expenses for:

    • Appraisal fee(s)
    • Residential Mortgage Credit Report(s)
    • Inspection fee(s)
    • Flood Certification fee(s)
    • Other incidental expenses that may be incurred to secure the loan.

    Note: Member will pay before final closing, any outstanding expenses exceeding the $800.00 deposit. Member will be refunded any balance of the $800.00 initial deposit.

     

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