All Hawaii State FCU branches will be closed on Monday, July 4, 2022 for Independence Day. View normal branch hours.

HAWAII STATE FCU’s NEW DIGITAL BANKING IS NOW LIVE! Learn more about our Digital Banking upgrade.

Personal Loan

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Happy female member.

Borrow up to $30,000 and use the money to finance that well-deserved vacation or the best wedding ever with a Hawaii State FCU Personal Loan.

Borrow Up to $30,000

Your monthly payments can be affordable.

Low Competitive Rates

Save money over the life of the loan.

Flexible Repayment Terms

The longer the term the lower the monthly payments.

Ready to apply for a Personal Loan and need more assistance?

Schedule an appointment online at one of our branches.


APR as low as*


1 year

APR as low as*



2 years

APR as low as*



3 years

APR as low as*



4 years

APR as low as*



5 years

APR as low as*



6 years

APR as low as*


Explore Other Personal Loan Options

Whether it’s a Personal Line of Credit 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

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

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 wants to help equip you with the resources and education you need for a lifetime of financial wellness. Check out GreenPath Financial Wellness and Money Management International for financial counseling and debt management assistance.

Get the help you need >>

Calculators to help you save and spend smart

Ready to apply for your Personal Loan?

Start your online application

Apply now

Schedule an appointment at one of our branches.

Schedule an appointment

* Offer good from 7/1/2022 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.

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, 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.

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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