Personal Line of Credit

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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.

Terms	APR as low as^*
* The APR will vary with the prime rate as published in the Wall Street Journal (index), plus a margin determined by your credit score. The APR includes a 0.25 percentage point discount for automatic payments 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. The APR will never be greater than the maximum that we are permitted to charge by law (currently 18.0%). Must be a Hawaii resident. Rates are effective 10/1/2024 and are subject to change without notice.
Terms Revolving	APR as low as^* 12.50%

Terms

APR as low as^*

* The APR will vary with the prime rate as published in the Wall Street Journal (index), plus a margin determined by your credit score. The APR includes a 0.25 percentage point discount for automatic payments 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. The APR will never be greater than the maximum that we are permitted to charge by law (currently 18.0%). Must be a Hawaii resident. Rates are effective 10/1/2024 and are subject to change without notice.

Terms

Revolving

APR as low as^*

12.50%

Explore Other Personal Loan Options

Whether it’s a Personal Loan or a Share Secured Loan, Hawaii State FCU has you covered. See what’s right for you.

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

Need a little extra help managing your finances?

Managing Your Credit

Learn more about the types of credit, establishing credit, credit reporting, credit scores, and using credit responsibly in our free online courses. Register for a free account, sign in and start learning.

Get started >>

Get Help Managing Your Money

Hawaii State FCU is collaborating with GreenPath Financial Wellness to offer you free individualized counseling, guidance, and the resources to be financially healthy.

Get the help you need >>

Calculators to help you save and spend smart

Ready to apply for your Personal Line of Credit?

Start your online application

Apply now

Stop by one of our branches.

Find a Nearby Location

(808) 587-2700
1 (888) 586-1056
memberservices@hsfcu.com

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.