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Secured Loans

"Super easy and fast. Application was online and I received and signed for the loan online. Money was deposited into my account within a couple hours. Loved not having to go in!"

- Jill


A loan secured by your Savings

Rates as low as 2.15% APR*

Monthly Payment


Why get a Secured Loan from HFS?

A Secured Loan allows you to build or rebuild your credit or make a necessary purchase without dipping into your Savings. Secured Loans often cost less than other loan products and are simply backed by your Savings.

Share Secured Loan


Variable rates (2% above current Savings rate)


Terms up to 120 months


Funds equal to the amount of the loan are held in the account


As you pay the loan down, the funds are released and become available to you

Share Secured Line of Credit


Low, variable interest rate


Low monthly payments


Revolving open credit line


Rebuild or establish your credit using this low-rate option

All aspects of our transaction were pleasurable, professional, and done in a timely manner...excellent!

— Dean

Frequently Asked Questions

  • Only Savings Account funds can be used for a Secured Loan. The full amount of the loan must also remain in the account throughout the loan.

  • Share Secured Loans are based on the current index rate, therefore your interest rate may fluctuate. Since Share Certificate Loans are based on your current Certificate, the rate will remain the same.


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

  • Subject to credit approval. Applications may be submitted online or at any HFS FCU branch location. Secured Personal Line of Credit and Share Secured rates are subject to change without notice.


    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.

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.