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Cruise into the New Year

“Cruise into the New Year”

The holiday season is almost over, but the stress of finances often sticks around! Cruise into the New Year, with low personal loan rates starting at 6.74% APR1 for 36 months2, or 7.74% APR for 60 months3, PLUS No Payments for 3 Months!4  Whether you’ve got leftover holiday shopping bills, high-interest credit card debt, or planning for your next vacation – let us help YOU!

Plus, enter for a chance to win 1 of 4 HFS Prize Packs!5

Apply for a Personal Loan 

Give us a call for more details

Consolidation Loan Sweepstakes Official Rules

1APR=Annual Percentage Rate. Rates are effective as of January 1, 2024.   2The 6.74% APR is derived by discounting the rate of 6.99% APR with a 0.25% discount for automatic payments. Monthly payments at 6.74% APR for 36 months will be $314.36 per $10,000.00 borrowed.   3The 7.74% APR is derived by discounting the rate of 7.99% APR with a 0.25% discount for automatic payments. Monthly payments at 7.74% APR for 60 months will be $206.61 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.  4Interest begins to accrue immediately upon funding. The payment deferral may result in increased interest paid over the life of the loan.  Payments may be made before the 90 days with no prepayment penalty. Applications may be submitted online or at any HFS FCU branch location. 5Sweepstakes period is from January 1, 2024, at 8:30 am HST to January 31, 2024, at 11:59 pm HST. Limit 1 prize per person. For Official Rules, visit No purchase or payment is necessary to enter or win.

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. Federally Insured by NCUA.

Hurry, offer ends January 31, 2024.

Fraudulent Text Messages claiming to be from HFS are being sent. If you received a text and are unsure of its legitimacy, please contact the credit union.