"Very comfortable and relaxing experience. Most places make you feel like they're doing you a favor lending money to you. Grateful I was treated as a person."
- Mary
Fixed Term and Interest Rate Personal Loans
Rates as low as 5.75% APR1
Monthly Payment
0.25% discount
Get a 0.25% discount with Automatic Transfer from Share Draft, Share Account, or Payroll Deduction
What is a Personal Loan?
A personal loan is a fixed term and interest rate loan meant for personal or household use. A fixed rate and term loan means that whatever rate you qualify for and term you choose at the time you sign for your loan and receive your funds will not change. It is locked in.
Benefits of a Personal Loan
Whether you’re meeting an obligation or preparing for a big purchase you can choose a personal loan that will fit your needs. Applying online is simple and easy!
Competitive interest rates
Terms up to 60 months
Borrow up to $25,000
Receive a 0.25% interest rate reduction when you setup Automatic Payments
No prepayment penalty
How it Works
To apply for a personal loan, click “apply” above to get started. We recommend using this checklist for a list of documents and information you’ll need for your application. Once your loan application is submitted, a Loan Officer will review it and contact you within a few days with your application status and any next steps. Once approved, in many cases, you’ll be able to close your loan without needing to come into a branch, since e-signing makes the process simple. If you’re not able to apply for a personal loan online, you can call us at (800) 216-2666 to schedule an appointment with a Loan Officer.
The process was easy and no fuss. Everything could be done online so I didn't have to take time off of work.
Additional info
Additional discounts available, applicable to the rates table:
- 0.25% discount with Automatic Transfer from Share Draft, Share Account, or Payroll Deduction
Questions?
Drop us a message anytime with your questions or schedule an appointment with a loan officer.
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1APR=Annual Percentage Rate. The 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 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.
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 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.
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.
Rates
| Term | Min APR(1) | Max APR |
|---|---|---|
|
Up to 12 months |
|
|
|
13 to 36 Months |
|
|
|
37 to 60 Months |
|
|
Rates effective as of: July 11, 2025
Disclosures
1APR=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.
Apply for a Personal Loan
New Members
Complete your application online or visit your nearest HFS branch to meet with a Loan Officer.
Current Members
Log in to Online Banking for a quicker application process.
If you prefer to complete your application in-branch with a Loan Officer, please visit us at your nearest HFS branch location. We recommend using this checklist for a list of documents and information you will need to complete your application.
Open Account
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