Checking & Savings
Quick Links
Loans & Credit
Quick Links
Business
Quick Links
Resources
Quick Links
Why Us
Quick Links
Loans
Education & Tools
Accounts
Who We Are
Membership & Benefits
Loans & Credit
Community
Credit
Checking
Savings
Support & Services
Financial Goals
Services
Making a Difference
Support & Services

Student Loans

Affordable options to help you cover the cost of higher education.

  • Low interest rates

  • No origination fees

  • Flexible repayment options
When scholarships, grants, and federal aid are not enough, a private student loan can help fill the gap.

Support for your education goals.

Earning a college degree takes commitment, and paying for it can be a challenge. Our private student loan option is designed to help bridge the gap between the cost of education and the financial aid you have already secured.

With competitive rates, no origination fees, and flexible repayment terms, you can find a solution that supports your goals and helps you move forward with confidence.

Hawaii Community Federal Credit Union offers student loan solutions designed to support education goals, with local guidance for families across Hawaii.

Student loan features

Built to support you through your education journey.

  • Significantly lower interest rates than many other private loan options 
  • No origination fees 
  • Flexible repayment terms 
  • Helps cover the gap after financial aid, scholarships, and federal loans
Before you apply

Make the most of your available funding options first.

  • Complete the Free Application for Federal Student Aid (FAFSA) 
  • Apply for available scholarships
  • Use federal student loan options first
  • Confirm your school and education plans
Hawaii Universities That Accept Student Choice Loans
  • Brigham Young University - Hawaii
  • Chaminade University of Honolulu
  • Hawaii Pacific University
  • University of Hawaii at Hilo
  • University of Hawaii at Manoa
  • University of Hawaii West Oahu
Strong academic achievement is good for the entire ohana.

We do all we can to help you pay for college, because we know the value of obtaining a degree. Get more information about the Federal Student Loan Repayment and Cancellation.

Private student loans should be considered after exhausting federal financial aid, scholarships, and grants. Loan options are subject to credit approval. Rates, terms, and conditions may vary. Membership requirements apply.

Frequently Asked Questions

View All

You can apply for a loan online or in-person at a branch.

We offer mortgage, land, construction, small business, educational, personal, auto, and credit card loans.

Our current loan rates can be found on our rates page.

For business loan rates, please visit a branch or call 808-930-7700 and speak to a loan officer.

Tools to help you reach your goals

Refer Friends

When they open a checking account, you'll get a gift card, and they'll be entered to win a prize!

Mobile Banking

Bank on your time

Pay bills, deposit checks, transfer money and more - quickly and easily.

  • Free to download

  • Bank on your time

  • Turn your device into a digital branch