Personal Loan Rates

Wallet friendly rates for our ohana.

We'll help you save on personal loans you need.

Hawaii Community Federal Credit Union's personal loan rates are designed to provide the money you need. Let us guide you toward your best option.

Effective Date: January 2, 2024
Loan Type	Maximum Amount	Maximum Term	Annual Percentage Rate
Unsecured Loan A signature loan based on income and credit history.	$30,000	Up to 3 years (36 mos.)	7.00% to 10.50%
	$30,000	Up to 5 years (60 mos.)	7.50% to 12.00%
Payment Example: Loan amount of $1,000 at 7.00% APR for 60 months has a monthly payment of $19.80
Share Secured Loans Loan fully secured by shares. Immediate loan approval.	100% of unencumbered shares	Up to 5 years (60 mos.)	2.50% above share account dividend rate are the time the loan is closed.
Payment Example: Loan amount of $1,000 at 2.65% APR for 60 months has a monthly payment of $17.82.
Loans Against Share Certificate Account Loan secured by a share certificate. Immediate loan approval.	Maximum 90% of the certificate amount	Loan is due on the date that the share certificate matures. Maximum term of 12 months.	2.00% above the dividend rate on the share certificate that is used as collateral for this loan.
Payment Example: Loan amount of $1,000 at 2.50% APR for 12 months has a monthly payment of $84.47.

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How can I apply for a loan?

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

What types of loans do you offer?

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

What are the current loan rates?

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

What are your current business loan rates?

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