Hawaii County Employee Federal Credit Union - Loans

HCEFCU offers a wide array of consumer loans at very competitive rates. Whether it is a home equity, car loan, home improvement, education, bill consolidation or lines of credit, HCEFCU is committed to providing convenient, low-cost loans to its members. Periodic updates to your original application may be requested to keep records current.

Interest on consumer loans are computed on a simple method on the outstanding principal balance from the date of the loan to the day it is repaid. Interest is calculated on the unpaid balance for the number of days the loan is outstanding. There are never any pre-payment penalties or hidden charges.

As an additional option, members may purchase at very low rates, Credit Disability or Credit Life insurance coverage to protect themselves and their families in the event of disability or death.

Shared Secured Loans

Borrowing against your savings is the least costly method to obtain your loan. By using your shares as collateral, you can take advantage of low interest rates while still earning dividends on your savings.

New / Used Car Loans

HCEFCU offers periodic specials on car loans where members can pick just the right terms that for their particular budget.

Personal Loans

Qualified members may borrow up to an established line of credit for any purpose on their good credit. A variety of terms offer the perfect means to fulfill that dream.

Overdraft Protection

This credit line protects against overdraft on your share draft checking account. Secure your credit with this overdraft protection line of credit.

First and Second Mortgages

Buy your first home or apply for a second mortgage with HCEFCU. Competitive rates are offered for home buyers at reasonable terms.

Home Equity Loans

Use the equity in your home as collateral for a home equity line of credit. Home equity loans may be used for education, home improvement, medical bills, etc., and depending on your situation, may also be tax deductible.



  • Member Cellular Discounts with Sprint
  • Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government

  • *Loan calculators do not guarantee extensions of credit and are available to you for your independent use and are not intended to provide investment advice. We do not guarantee their accuracy or applicability in regards to your individual circumstances. We recommend that you seek professional advice for all of your financial concerns.