AccountsHCFCU offers many types of accounts for your needs. Sign up for one today!
Loans & CreditFind answers to all your questions about loans and credit programs here.
Mortgage
Fixed Rate
Get peace of mind and satisfaction with a fixed-rate first mortgage from the credit union. We offer competitive rates, good incentives and lots of flexibility, including programs with low downs.
Adjustable-Rate
We offer a number of long-term ARM programs with excellent rates and terms for both fee simple and leasehold properties. These convenient loans come with initial fixed interest rates for specified time periods, making your loan payments more affordable and easier to qualify for.
Home Equity Line-of-Credit
Our home equity loans offer an ample draw period and repayment term as well as lower interest rates than most competing home equity programs. (Interest may be tax-deductible, consult your tax advisor.) Extended loan terms make our payments extremely affordable, while our no-prepayment penalty feature allows you to pay down the debt at no additional cost to you.
Balloon Loans
Our balloon loan financing for first mortgage loans offer you low interest rates with a very long amortization period, giving you extremely affordable financing options.
Vacant Land
Competitive rates are available for improved and unimproved property. Also, you can prequalify for a construction loan with the vacant land loan.
Construction
We can help you build your dream home with our construction financing. Our construction loans are interest-only, short-term (one-year) balloon payment loans that finance the construction phase of your primary residence.
If you click 'Accept' an external website that is owned and operated by a third-party will be opened in a new browser window. HCFCU provides links to external web sites for the convenience of its members. These external web sites may not be affiliated with or endorsed by the credit union. Use of these sites are used at the user's risk. These sites are not under the control of HCFCU and HCFCU makes no representation or warranty, express or implied, to the user concerning:
the information, content, presentation, accuracy or opinions of these sites, or
the quality, safety or suitability of any software found on these sites.
Using a hyperlink may identify you as an HCFCU member to the operator of the external site.
HCFCU does not provide and is not responsible for the product, service or overall website content available at these sites. The privacy policies of HCFCU do not apply to linked websites and you should consult the privacy disclosures on these sites for further information.
If you click 'CANCEL' you will be returned to the HCFCU website.
© 2013 Hawaii Community Federal Credit Union