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Roof & Renovation Loans

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Family of four.

0% interest and no payments for 12 months. After the first 12 months, enjoy an interest rate as low as 7.10% APR.1

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% APR and No Payments for 12 Months1

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

Affordable Rates

Our low loan rates make your home improvement projects possible.

Use the Money for Anything

Put on a new roof, remodel the kitchen or add a bathroom.

Easy Application

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

Trusted Contractors

Get professional results from one of our participating contractors.

Ready to apply for your Roof & Renovation Loan?

Start your online application

Apply Now

Stop by one of our branches

Find a nearby location
Roof & Renovation Promotion*

Terms

APR**

Terms

First 12 months

APR**

0.00%

Terms

Months 13 to 84

APR**

7.10%
7.85%
8.10%

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
Disclosures

1 On approved credit. 0% interest and 0 payments for the first 12 months. After the first 12 months (months 13 to 84), the interest you pay will be based on your creditworthiness and will be 7.10%, 7.85%, or 8.10% per annum. The blended APR over the 84-month term is 5.255%, 5.800%, or 5.981%, respectively. The interest rates for months 13 to 84 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 0.182 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 12 0.00% $0.00 $0.00
Months 13 to 84 7.10%
7.85%
8.10%
5.255%
5.800%
5.981%
$512.91
$523.80
$527.46
$6929.66
$7713.79
$7977.35

* Blended APR includes 0.00% interest for the first 12 months, and assumes a total loan term of 84 months. These are estimates only. Speak to a HSFCU loan representative at any branch for more information, or call (808) 587-2700.

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.

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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.

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