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Auto  Personal  Share Secured HELOC  Credit Cards

Auto
Loan ProgramRate
New Auto Loans (terms up to 72 mos.) As low as 5.99% APR*
New Auto Loans (terms up to 84 mos.) As low as 6.49% APR*
Used Auto Loans (six months old and older) As low as 6.24% APR*

Personal
Loan ProgramRate
Personal Loans – up to 36 months As low as 7.99% APR*
Personal Loans – up to 60 months As low as 8.24% APR*
Personal Line of Credit As low as 9.99% APR*

Shared Secured Loans
Loan ProgramRate
Share Secured Loans 2.50% APR*

HELOC
Loan ProgramRate
Home Equity Line of Credit Call our Loan Dept. for our current rate.

Credit Cards
Loan ProgramRate
Visa Platinum 9.00% APR (non-variable). No Annual Fee.
Visa Gold 10.50% APR (non-variable). No Annual Fee.
Visa Classic 14.88% APR (non-variable). $15.00 Annual Fee
Visa First 18.00% APR (non-variable). $25.00 Annual Fee.

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* Annual Percentage Rate (APR). Final rate based on credit score. Rates subject to change without notice.

  • Personal Loan payment sample: 36 months fixed-rate loan for $15,000 at 7.99% and an Annual Percentage Rate (APR) of 7.99% would have a monthly principal plus interest payment of $470. Other rates and terms available. Membership eligibility requirements apply.
  • Auto Loans: Rates are based on your credit score and are subject to change. Payment example: A 72-month vehicle loan of $35,000 with an Annual Percentage Rate (APR) of 5.99% would have monthly principal plus interest payments of $580. Other rates and terms available. Membership eligibility requirements apply.
  • Home Equity Line of Credit: Approval subject to application, eligibility, credit, and acceptable property, acceptable appraisal and title required. Property insurance is required and, if applicable, flood insurance may be required. Loan amounts are offered from $25,000 to $250,000. The variable Annual Percentage Rate may be from 5.00% to 18.00%. The variable rate is based on the 6-month Treasury Bill (5.00% as of 4/21/2023) plus a margin and is subject to change semiannual. Other terms and conditions apply. See your Hawaii FCU Loan Officer for details.

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