This loan special has ended, please visit our Personal Loan page for current rates.
January 4, 2022 will mark 85 years since HFS Federal Credit Union was first founded. We have grown over the years, thanks to the Big Island Community’s continued trust and support. As a member-owner, our story is yours too and we want to celebrate with you!
From December 1, 2021 through January 31, 2022 we are offering special rates on our personal loans. Take advantage of rates as low as 0.85% APR1 for 12 months2 or 2.99% APR for 36-60 months3, PLUS 90 Day No Pay4! Payments won’t start until 3 months after your loan is funded, which gives you a little breathing room in your budget to recover from holiday spending. Other rates and terms are available.
1APR=Annual Percentage Rate. Rates effective as of December 1, 2021. 2The 0.85% APR is derived by discounting the rate of 1.10% APR with a 0.25% discount for automatic payments. Monthly payments at 0.85% APR for 12 months will be $837.30 per $10,000 borrowed. 3The 2.99% APR is derived by discounting the rate of 3.24% APR with a 0.25% discount for automatic payments. Monthly payments at 2.99% APR for 36 months will be $290.92 per $10,000.00 borrowed. Monthly payments at 2.99% APR for 60 months will be $180.00 per $10,000 borrowed. The actual rates and APR depend on credit history and loan terms. Subject to credit approval. Other rates and terms available. 4 The 90 Day No Pay refers to the first 3 months after the date of loan funding. Interest begins to accrue on the first day of the month the first payment is due. Payments made prior to the month the first payment is due will be applied directly to principal. Existing HFS FCU loans do not qualify for this offer. Applications may be submitted online or at any HFS FCU branch location.
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 Hawaii. A nonrefundable $1.00 fee is required to establish membership with the Credit Union. A minimum opening balance of $50.00 is required to open a Savings Account. Insured by NCUA.
Hurry, offer ends January 31, 2022.