Personal Line of Credit

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Happy female member.

Approve your own loan anytime you need it, and add a safety net to your household budget with a Hawaii State FCU Personal Line of Credit. Just pull money from the account when you need it.

Flexible Credit Limits

Get the line of credit you need and can afford.

Low Competitive Rates

Keep your payments affordable.

Easy Access to Funds

Our line of credit gives you flexible, future borrowing power.

Flexible Payments

You won’t be charged a penny until you draw from your line.

Overdraft Protection

Link your Personal Line of Credit to your checking.

Ready to apply for your Personal Line of Credit and need more assistance?

Schedule an appointment online at one of our branches.


APR as low as*



APR as low as*


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.

Need a little extra help managing your finances?

Get to Know Your Current Credit Score

There are a lot of factors that go into your credit score, but the bottom line is that number can dramatically affect your ability to get a loan and how much you’ll pay for it. Learn all about how your credit is scored and ways to improve yours with a short eLearning course.

Start this online course>>

Get Help Managing Your Money

We’ve partnered with Money Management International, the largest nonprofit, full-service credit counseling agency in the United States, to bring you free financial counseling and debt management.

Visit Money Management>>

Calculators to help you save and spend smart

Ready to apply for your Personal Line of Credit?

Start your online application

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Schedule an appointment at one of our branches.

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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.

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. Please review the terms and conditions of use carefully. Such services and products are not obligations of, nor endorsed or guaranteed by, Hawaii State FCU nor the National Credit Union Share Insurance Fund. 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 or products. Alternative services and products may be obtained from other providers of your choice. External websites are not under our control and may have different policies and security. Using the links may identify you as a Hawaii State FCU member to the external website operator.

Click “ACCEPT” to enter an external website. Click “Cancel” to return to HSFCU’s website.

Please remember to log off of Online Banking and Mobile Banking before going to any external website

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