1. The PV Loan program is available only for PV systems installed by participating contractors. The maximum loan amount is $75,000 and is subject to approval. A contractor’s participation in the Hawaii State FCU PV loan program does not imply endorsement of the contractor by Hawaii State FCU. The PV Loan program is not applicable for refinancing of existing loans for PV systems, is subject to change, and may end at any time. Membership in Hawaii State Federal Credit Union is required. No prepayment penalty. Rates are subject to change at any time without prior notice. Must be a Hawaii resident.
2. The Photo Voltaic (PV) Loan program features a 0% interest rate and no payments for the first 18 months, followed by an interest rate of 7.70%, 8.10%, or 8.70% for the remaining 78 months, based on your creditworthiness. The APR over the full 96-month loan term is 5.165%, 5.427%, or 5.817%, respectively. Interest rates include a 0.25% discount for establishing autopay from a Hawaii State FCU checking account at the time of loan origination. Without this discount, the interest rate will be 0.25% higher and the APRs will be 0.163% higher. Rates are subject to change without notice.
Rates effective 09/01/2025
A loan of $30,000 with a 7.70% interest rate will have: 78 payments of $490.07 . A loan of $30,000 with an 8.10% interest rate will have: 78 payments of $495.98 . A loan of $30,000 with an 8.70% interest rate will have: 78 payments of $504.92. Payments begin on the 19th month and continue until the 96th month.
These are estimates only. Speak to a Hawaii State FCU loan representative at any branch for more information, or call (808) 587-2700.