UPDATE: NEW TEMPORARY BRANCH HOURS: Effective Monday, August 3, 2020, all of our branches will be operating with NEW temporary hours. The first hour of operation at each branch remains reserved for seniors and members with serious pre-existing conditions. View new branch hours. To schedule an appointment, click here or contact our Member Service Call Center.

Solar Loans & Photovoltaic (PV) Loans

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Ready to Apply for Your Solar Loan?

Reduce your energy bills and put Hawaii’s year-round sunshine to work for you with a Photovoltaic Loan that gives you the money to install solar panels on your home.

0% interest and no payments for 24 months. After the first 24 months, enjoy an interest rate as low as 7.25%.1

0% Interest and No Payments for 24 Months1

Pay no interest or make any payments for the first 24 months.

Affordable Rates

Our low loan rates make installing solar on your home possible.

Reduce Your Energy Bills

Solar panels are a smart way to save money.

Easy Application

Bring your solar contractor’s final purchase estimate to any branch.

Participating Contractors

Ready to Go Green? Choose from one of our participating solar contractors.

Ready to apply for your Solar Loan?

Start your online application

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Stop by one of our branches

Find a nearby location

Hawaii State FCU PV Program

Interested in adding photovoltaic panels to your home? See how you can maximize your energy savings while keeping more money in your pocket.

PV Loan Program*


Interest Rate**


First 24 months

Interest Rate**



Months 25 to 96

Interest Rate**


Financial calculators to help you save and spend smart

Ready to apply for your PV Loan?

Start your online application

Apply Now

Stop by one of our branches

Find a nearby location

1 On approved credit. 0% interest and 0 payments for the first 24 months. After the first 24 months (months 25 to 96), the interest you pay will be based on your creditworthiness and will be 7.25%, 8.00%, or 8.25% per annum. The blended APR over the 96-month term is 4.267%, 4.696%, or 4.839%, respectively. The interest rates for months 25 to 96 include a 0.25 percentage point discount for establishing auto-pay from an HSFCU checking account. The interest rates will be 0.25 percentage points higher and the blended APRs will be 0.143 percentage points higher without the discount.

The following is the payment example for a $30,000 loan at each of the available interest rates:

Payment Interest Rate Blended APR* Monthly Payments Total Interest Paid
Months 1 to 24 0.00% $0.00 $0.00
Months 25 to 96 7.25%

* Blended APR includes 0.00% interest for the first 24 months, and assumes a total loan term of 96 months. These are estimates only. Speak to a HSFCU loan representative at any branch for more information, or call (808) 587-2700.

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 HSFCU PV loan program does not imply endorsement of the contractor by HSFCU. 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. Rates are subject to change at any time without prior notice.

Effective as of 8/1/2020, and may change at any time without notice.

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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