Roof & Renovation Loans

Apply Now
Family of four smiling and laughing

If you’re a homeowner, you know your home is your biggest investment. Count on us to help you take care of it with a Roof & Renovation Loan when you need to make any home improvements.

0% interest and no payments for 12 months. After the first 12 months, enjoy an interest rate as low as 7.70%. The APR for the entire 7-year term may be as low as 5.691%.**

0% Interest and No Payments for 12 Months**

Pay no interest or make any payments for the first 12 months

Affordable Rates

Our low loan rates make your home improvement projects possible.

Easy Application

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

Participating Contractors

Get professional results from one of our participating contractors.*

Roof & Renovation Program*

Interest Rate** Months 0 to 12

Interest Rate** Months 13 to 84





Financial calculators to help you save and spend smart

Ready to apply for your Roof & Renovation Loan?

Start your online application

Apply now

Stop by one of our branches

Find a nearby location

* The Roof and Renovation Loan (RnR) program is available only by participating contractors. The maximum loan amount is $75,000 and is subject to approval. A contractor’s participation in the HSFCU RnR loan program does not imply endorsement of the contractor by HSFCU. The RnR Loan program, 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. Must be a Hawaii resident.

** The Roof and Renovation (RnR) Loan program features 0% interest rate and no payments for the first 12 months with a subsequent interest rate of 7.70%, 8.10%, or 8.70% for the remaining 6 years based on your creditworthiness. The blended APR over the entire 84 month term of the loan is 5.691%, 5.981% or 6.414%, respectively. The interest rates include a 0.25% discount for establishing auto-pay from an HSFCU checking account at the time of loan closing. The interest rate will be 0.25% higher and the blended APRs will be 0.181% higher without the discount. Rates are effective 7/1/2024 and are subject to change without notice.

A loan of $30,000 with a 7.70% interest rate will have: 72 payments of $521.61 and total interest paid of $7,556.18. A loan of $30,000 with a 8.10% interest rate will have: 72 payments of $527.46 and total interest paid of $7,977.35. A loan of $30,000 with a 8.70% interest rate will have: 72 payments of $536.31 and total interest paid of $8,614.33.

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.

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.

Cancel Accept