Loan Rates
Low-Cost Loan Rates in Hilo, Hawaii
We have a variety of options to fit every need and are able to offer competitively low rates to make it easy for our clients.
Hawaii County Employees Federal Credit Union is proud to offer low-cost loans to our members, whether you're looking for an educational loan, home equity, a car loan, or something different.
Home Equity
| TERM | RATE |
|---|---|
| Current Rate (Adjusted October 1) |
6.50% APR* |
Visa Platinum
| TERM | RATE |
|---|---|
| Share Secured | 9.00% APR* |
| Unsecured | 11.90% APR* |
Loan Special
| TERM | RATE |
|---|---|
| Up to 5 years (Maximum $5,000) | 5.00% APR* |
Personal Loan
Up to $25,000 Maximum Financing
| TERM | RATE |
|---|---|
| 1 Year | 3.00% APR* |
| 2 Year | 4.00% APR* |
| 3 Year | 5.00% APR* |
| 4 Year | 6.00% APR* |
| 5 Year | 7.00% APR* |
| 6 Year | 8.00% APR* |
Automobile Loan
NEW AUTO – September 25, 2023
100% Financing.
| TERM | RATE |
|---|---|
| Up to 5 Years (60 months) | 4.50% APR* |
| Up to 6 Years (72 months) | 5.25% APR* |
| Up to 7 Years (84 months) | 6.50% APR* |
USED AUTO – Effective September 25, 2023
Finance – Low Blue Book
| TERM | RATE |
|---|---|
| Up to 4 Years (48 months) | 4.00% APR* |
| Up to 5 Years (60 months) | 4.50% APR* |
| Up to 6 Years (72 months) | 5.25% APR* |
*Model year plus loan term shall not be greater than 10 years.
New auto loan rate if it is a current-year model and has less than 5,000 miles.
Loans must be disbursed not later than 1 month from date of approval.
Photovoltaic Loan
| TERM | RATE |
|---|---|
| Up to 84 months (7 years) | 3.80% APR* |
$30,000 maximum. No payments due for first six months.
Variable Rate
Share Secured
90% Financing – Maximum term: 120 months (10 years)
Rate: 2.00% APR* over Regular Share Dividend rate
Share Certificate
Variable rate – Maximum of 5 years
Rate 2.00% APR* over CD Rate
Educational Loans
U.S.A. Group – College Access Plan referral
Variable Rate FFELP Rate
