1. APR includes a 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account. Without automatic payment, the APR will be 0.25 percentage point higher and may result in higher monthly payments. Actual APR will be based on your creditworthiness and may be higher. Rates are subject to change without notice. Must be a Hawaii resident.
Rates effective 10/01/2025
Payment Example: A loan of $10,000 with a 7.49% APR will have: 12 payments of $868 for a one-year term; 24 payments of $450 for a two-year term; 36 payments of $311 for a three-year term; 48 payments of $242 for a four-year term; 60 payments of $200 for a five-year term; and 72 payments of $173 for a six-year term.