Personal Loan

Everyone needs a little help every now and then. And even if you don’t, it pays to have prepared for moments when you do. With our personal loans and lines of credit, you’re always prepared for life’s unexpected needs. After all, isn’t that what family is for?

 


We make it easy to find the right loan and terms for your needs:

  • Flexible credit limits
  • One-time, lump sum personal loan requests
  • Low rates with a variety of repayment periods
  • Convenient repayment methods, including payroll deduction and automatic electronic funds transfer

 

Personal Loan

Need help paying for those unexpected expenses in life? That’s what our personal loan is for. It could be used for school tuition, family vacations, auto repairs or any number of reasons. We offer personal loans at a fixed rate over a predetermined period of time.

  • Borrow up to $75,000
  • Low, competitive interest rates
  • Repayment period customized to fit your needs

Apply Now

 

If you are not a member of Hawaii State FCU, click here to view membership eligibility requirements. If your loan application is approved, then we will contact you to join and become a member of Hawaii State FCU before processing the loan. Although no additional collateral is required all loans are secured by other collateral pledged to the Credit Union and by your shares.
Click here for more information

 

Personal Line of Credit

Our line of credit gives you flexible, future borrowing power. It's cash when you need it, readily available for expenses like college tuition, family vacations, remodeling projects, medical expenses, and more

  • Flexible credit limits
  • Provides Overdraft Protection for credit union checking accounts
  • Low interest rates with monthly payment based on loan balance

Apply Now

 

If you are not a member of Hawaii State FCU, click here to view membership eligibility requirements. If your loan application is approved, then we will contact you to join and become a member of Hawaii State FCU before processing the loan. Although no additional collateral is required all loans are secured by other collateral pledged to the Credit Union and by your shares.
Click here for more information

 

Share Secured Loan

Our most basic personal loan, the Share Secured Loan uses your savings as collateral.

  • 100% secured by your credit union Share account
  • Variety of payment terms to fit your needs

 

Personal Bridge Loan

If it’s a matter of having quick cash to tide you over a short period of time, our single payment Personal Bridge Loan is your answer. It’s a quick, convenient way to ensure that you meet your financial needs. Special conditions may apply for this form of personal loan.

  • Closed-end, non-real estate, single payment loan
  • Low interest rates

 


 

Additional Features

FlexCredit Protector

Taking out a personal loan means one of your dreams are about to come true—for example, a new car, boat or home improvement.

But, what happens when the unexpected hits?

Guard against your family shouldering the financial burden when you can’t, with FlexCredit Protector*, a voluntary debt cancellation service that cancels your eligible loan balance, up to the agreement maximum, should you die before repaying your loan obligation.

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

With FlexCredit Protector*, you buy only enough protection to cover your loan balance. That saves you money.

*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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