Make it a tradition to celebrate with HFS.
Gather with family and friends, celebrate with festive fireworks, set your New Year’s resolutions, and consolidate your loans with HFS!
Take advantage of our special, available for a limited time:
- Personal Loan rates as low as 3.99% APR for up to 60 months1
- Other rates and terms available.
Simply apply online, visit any of our branch locations or give us a call to get started.
Hurry, offer is good from January 2 – 31, 2019.
Insured by NCUA. APR=Annual Percentage Rate. Rates effective as of January 2, 2019. 1The 3.99% APR is derived by discounting the rate of 4.24% APR with a 0.25% discount for automatic payments. Monthly payments at 3.99% APR for 60 months will be $184.22 per $10,000.00 borrowed. The actual rates and APR depend on credit history and loan terms. Subject to credit approval. Refinances of existing HFS loans do not qualify for this offer.
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 non-refundable $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.
Would I be able to take advantage of the consolidation loan? Current member n holding a loan already…
Aloha Marchelle,
Thank you for your question! Any member is able to apply for the consolidation loan special. Please keep in mind that refinances of existing HFS loans do not qualify for the offer. Please feel free to give us a call at (808) 930-1400 if you have any other questions that we can help you with. Mahalo!
I don’t have an account with you (yet), I am at another credit union. I have however been looking around to see if I can find a good consolidation loan, and just saw that a friend posted this, what would the process look like in my case? Would I see if I qualify and then start an account? Or?
Aloha Erika,
Mahalo for your question! For the consolidation loan, you would start by applying for the loan (which can be done online at https://hfsfcu.org/personal-loans/ or you can call us to schedule an appointment with a loan officer). The account would just need to be opened before the closing loan documents can be signed. You’ll be able to find out if you qualify first without having to open an account. If you have any other questions, please feel free to contact us at (808) 930-1400. Thank you!
I just started a new job will i still qualify?
Aloha,
Thank you for your question. We encourage you to apply if you are interested, as length of employment is only a portion of what we look at during the approval process. In some cases, we may ask your employer to verify your employment. To apply, please visit the personal loan page and click “Apply” to get started. You may also give us a call at (808) 930-1400 to schedule an appointment with a loan officer.
Mahalo!
Thank you Jessica,
I sent in an application end of last week. Got the auto response that they received it. Not sure how long it will take to hear back.
You are very welcome! Due to the volume of applications we are receiving for the special, it could take up to a week and a half to hear back. However, I did confirm that your application has been received and someone will contact you as soon as possible. Thank you for your patience and understanding.