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Personal Line of Credit

"HFS was super helpful with helping me apply to start my first line of credit and explained the process and how to use it."

- Baylie


A convenient loan where funds are accessible to you as needed

Rates as low as 10.00% APR1

Monthly Payment


Why get a Personal Line of Credit from HFS?

With a Personal Line of Credit, you can borrow the money you need as you need it. You only pay interest on the money you borrow and you may borrow up to the amount you've been approved for. In this sense, a Personal Line of Credit acts like a credit card except it disburses to your account instead of being charged on a card.


Competitive Interest Rates


Borrow up to $10,000


Convenience of having the funds available when needed

Great service, reliable, and always there for their members. Incredible credit union!

— Casey

Frequently Asked Questions

  • To apply for a Personal Line of Credit, you may simply fill out our online application.

  • A Personal Line of Credit is essentially just like a credit card. You’re approved for a certain amount (like a credit limit) and are able to use the funds whenever you need to.

    The main difference is how the money is accessed. With a line of credit, the money can be transferred into your savings or checking account (upon request) and the credit card uses a card to access the funds for your point of sale transactions.

  • The maximum credit line for a Personal Line of Credit is $10,000.


Drop us a message anytime with your questions or schedule an appointment with a loan officer.

  • 1APR= 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.

    Insurance products are not products of the Credit Union; and are not obligations of or guaranteed by the Credit Union. Credit Disability Insurance is offered through CUNA Mutual Group.

    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.

    The Calculator Tools are not guarantees of credit. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.