Solar Loans & Photovoltaic (PV) Loans

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Workers installing solar panels on a rooftop.

Ready to Apply for Your Solar Loan?

Installing solar panels on your home can be an effective way to save money on your energy bills and lower your carbon footprint. Let Hawaii’s year-round sunshine do the work for you and apply for a photovoltaic loan* to fund your solar panel installation.

0% interest and no monthly payments in the first 18 months. After the first 18 months, enjoy an interest rate as low as 7.70% APR** for the next 78 months. The APR for the entire 8-year term may be as low as 5.165%.

0% Interest and No Payments for 18 Months**

Pay no interest or make any payments for the first 18 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.*

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** Months 0 to 18

Interest Rate** Months 19 to 96





Photovoltaic panels have become an affordable and smart investment for many Hawaii homeowners. Learn more about how going solar can help your finances here.

Financial calculators to help you save and spend smart

Ready to apply for your PV Loan?

Start your online application

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* 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. Participating contractors pay Hawaii State FCU a fee in connection with the PV loan. 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.

** The Photo Voltaic (PV) Loan program features 0% interest rate and no payments for the first 18 months with a subsequent interest rate of 7.70%, 8.10%, or 8.70% for the remaining 78 months based on your creditworthiness. The APR over the entire 96-month term of the loan is 5.165%, 5.427%, or 5.817%, respectively. The interest rates include a 0.25% discount for establishing auto-pay from an HSFCU checking account at the time of loan origination. The interest rate will be 0.25% higher and the APRs will be 0.163% higher without the discount. Rates are effective 6/1/2024 and are subject to change without notice.

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.

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.

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