LOAN TYPES

Consumer Loans

  • Auto Loans: One of the lowest rates in town with convenient repayment terms up to 7 years for new with 100% financing of invoice and 6 years for used cars with 80% financing of retail blue book/appraisal. If rates decline you can refinance your loan to the current used car loan rate to lower your rate and payments.
  • Signature Loans: Rates are as low as 5.50% APR* with terms from 1 to 5 years. Consolidate your bills into one convenient repayment.
  • Share Secured Loans: Our lowest interest rate loan at 2.50% above our regular share dividend rate.

Check out Hawaii Automotive Consumer Guide when shopping for a new or used automobile.
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VISA Credit Card Programs – Apply Today

  • VISA Platinum Rewards Card: For each dollar you spend in purchases you can earn points towards your next trip or use the accumulated points to obtain great merchandise gifts! With a 9.75% APR* and No Annual Fee you will reap of all the benefits of a prestigious Platinum Card! As a Visa Platinum Cardholder you will enjoy $1,000,000 in Travel Accident Insurance, $300 in Baggage Delay Benefits, Warranty Manager Service, Travel & Emergency Assistance, Lost Luggage Reimbursement Insurance, Emergency Medical & Dental Coverage, Auto Rental Collision Damage Waiver Program, Online Account Access with payment options, an Annual Activity Summary, Optional Credit Disability Insurance and year-around No Fee Convenience and Balance Transfer Checks services. Members under 21 years of age must show proof of income to repay or apply with a Guarantor with proof of income.
  • The VISA Gold Rewards Card provides you with a No Annual Fee Card and a low rate of 10.75% APR*. For each dollar you spend in purchases you can earn points towards your next trip or use the accumulated points to obtain great merchandise gifts. As a Visa Gold Cardholder, you will enjoy $500,000 in Travel Accident Insurance, $300 in Baggage Delay Benefits, Warranty Manager Service, Travel & Emergency Assistance, Auto Rental Collision Damage Waiver Program, and Online Account Access with payment options, Optional Credit Disability Insurance and year-around No Fee Convenience and Balance Transfer Checks services. Members under 21 years of age must show proof of income to repay or apply with a Guarantor with proof of income.
  • The VISA Classic Rewards Card provides you with a No Annual Fee Card and a low rate of 13.75% APR*. For each dollar you spend in purchases you can earn points towards your next trip or use the accumulated points to obtain great merchandise gifts. As a Visa Classic Cardholder, you will enjoy $200,000 in Travel Accident Insurance, $300 in Baggage Delay Benefits, Travel & Emergency Assistance, Auto Rental Collision Damage Waiver Program, and Online Account Access with payment options, $10,000 in free Loan Protection, Optional Credit Disability Insurance and year-around No Fee Convenience and Balance Transfer Checks services. Members under 21 years of age must show proof of income or apply with a Guarantor with proof of income.

Home Equity Loans

  • Home Equity Line of Credit (Owner Occupied): Exclusive 18 year repayment terms with payments scheduled on the 10th of every month, our convenience of the Home Equity LOC is just a check or phone call away. Credit lines up to 70% loan to value, $350,000 maximum with available draw period of 8 years. There is no cost to maintain a Home Equity Line of credit, and you get the peace of mind knowing you have available equity to use.
  • Home Equity Line of Credit Secured by Rental Property: At l/2% higher than our Owner Occupied program, this line of credit repayment term is l2 years. Credit lines up to 70% loan to value, $350,000 maximum also with an available draw period of 8 years.
  • Home Equity Fixed (Owner Occupied): Get a fixed rate mortgage at a low cost. Our 20 year fixed Home Equity at a special low rate with no points is truly a member benefit. Loans up to 70% loan to value, $350,000 maximum.
  • Home Equity Fixed (Rental): At l/2% higher than our Owner Occupied program, this loan has a repayment term of 15 years. Loans up to 70% loan to value, maximum $350,000 and no points.

Other Line of Credit Loans

  • Share Draft/Overdraft Protection: Avoid embarrassing and costly overdraft fees with overdraft protection on your share draft account. The line of credit also allows a loan advance from ATMs.
  • Share Secured Share Draft/Overdraft Protection: You get the same low loan rate as share secured loans.

Fixed Rate Mortgages

  • 10 to 20 Year Mortgage Loan: We offer mortgage loans from 10 to 20 years at a fixed rate. Homes located in the State of Hawaii are eligible.
  • 30 Year Mortgage Loan: We also grant 30 year mortgage loans which are sold on the secondary market. Contact us for our daily rates on both of these mortgage loans.