Island Living Made Easier
Personal Loans Tailored for You
Start the new year with a personal loan, tailored to your needs! Whether you're looking to pay off your holiday debt, upgrade your furniture, or plan your next staycation - it's island living made easier with HFS. Take advantage of our low personal loan rates starting at 5.75% APR1 for 12 months2, or 7.75% APR for 60 months3, PLUS No Payments or Interest for 3 months4!
Click the link below to apply today or schedule an appointment to meet with Loan Officer.
Disclosures
1 APR= Annual Percentage Rate. Rates are effective as of January 1, 2025.
2 The 5.75% APR is derived by discounting the rate of 6.00% APR with a 0.25% discount for automatic payments. Monthly payments at 5.75% APR for 12 months will be $863.58 per $10,000.00 borrowed.
3 The 7.75% APR is derived by discounting the rate of 8.00% APR with a 0.25% discount for automatic payments. Monthly payments at 7.75% APR for 60 months will be $202.00 per $10,000 borrowed.
4 Interest begins to accrue on the first day of the month the first payment is due. For example, if your loan is funded in January, your first payment will be due May 31st, with interest beginning to accrue on May 1st. Payments made prior to the month the first payment is due will be applied directly to principal.
The actual rates and APR depend on credit history and loan terms. Subject to credit approval. Other rates and terms are available. Applications may be submitted online or at any HFS FCU branch location. Existing HFS loans do not qualify for this offer. Membership with the Credit
Union is open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawai’i. A minimum opening balance of $50.00 is required to open a Savings Account. Insured by NCUA. Hurry, offer ends January 31, 2025.