Debt Calculators

Got debt? Use our free debt calculators to find out how much money you can save through debt consolidation or extra payments.

Debt Protection

Life often has plans of its own. Protect your family’s financial future with FlexCredit Protector1.

If a protected life event happens to you (and you’re a protected borrower or co-borrower on the loan), FlexCredit Protector will cancel or reduce repayment of your loan debt – lessen your, and your family’s, worries, about paying loans when your income may be reduced or lost.

Events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

Contact us today to find out how to protect your loans.

Personal Loan Rate

Terms

APR as low as*

* Offer good from 4/1/2024 with a minimum loan amount of $500. APR includes a 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account. The APR will be 0.25 percentage point higher without automatic payment and may result in higher monthly payments. Not for business or real estate loans. Refinances of existing Hawaii State FCU personal loans or lines-of-credit do not qualify for the offer. Membership in the credit union is required. Must be a Hawaii resident. Other restrictions apply.

Payment Example: A loan of $10,000 with a 7.00% APR will have: 12 payments of $865 for a one-year term; 24 payments of $448 for a two-year term; 36 payments of $309 for a three-year term; 48 payments of $239 for a four-year term; 60 payments of $198 for a five-year term; 72 payments of $170 for a six-year term.

Terms

1 year

APR as low as*

8.25%

Terms

2 years

APR as low as*

8.50%

Terms

3 years

APR as low as*

8.75%

Terms

4 years

APR as low as*

9.25%

Terms

5 years

APR as low as*

9.75%

Terms

6 years

APR as low as*

10.75%

We’re here to help you achieve your financial goals. Here are more online tools to help manage your money.

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WALLET WISDOM BLOG

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ONLINE COURSES

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Disclosures

1. Your purchase of FlexCredit Protector is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of FlexCredit Protector.

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Third Party Site Disclaimer

We may provide links to external websites that refer to third party services and products available to Hawaii State FCU members, for enrollment in Hawaii State FCU financial education webinars, or other purposes. Please review the terms and conditions of use carefully. We do not make any express or implied representation or warranty to you concerning the quality, safety or suitability of external websites, or their services, products, or contents. External websites are not under our control and may have different security, privacy and other. Using the links may identify you as a Hawaii State FCU member to the external website operator.  Services and products from third parties are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund.  Alternative services and products may be obtained from other providers of your choice.

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