* 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 9/1/2020 and are subject to change without notice.
APR as low as*
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.
Loss of life, including those caused by acts of war
Disability, including those caused by acts of war
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.
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.
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