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Loans & Lines of Credit

The right loan at the right time can make a world of difference in your life. A loan can be the shot of financial adrenaline that speeds you to your goal. From home equity lines of credit to auto loans to credit cards, Hawaii State FCU has a simple, flexible loan program that’s right for you. 

Help safeguard your loan with FlexCredit Protector*

Taking out a loan means one of your dreams is about to come true—for example, a new car, boat or home improvement. But, what happens to your dream when the unexpected hits? How can you make sure your family doesn’t shoulder the financial burden of making loan payments when you can’t? 

FlexCredit Protector* is a voluntary debt cancellation service that cancels your eligible loan balance, up to the agreement maximum, should you die before repaying your loan obligation.

If a protected life event happens to you (and you’re a protected borrower or co-borrower on the loan), Hawaii State FCU FlexCredit Protector* will cancel or reduce repayment of your loan debt—helping to lessen your worries, and your family’s worries, about paying loans during a time when your income may be reduced or lost and paying other household bills becomes challenging. Protected events include:

  • Loss of life, including those caused by acts of war
  • Disability, including those caused by acts of war
  • Involuntary unemployment

With FlexCredit Protector*, you buy only enough protection to cover your loan balance. That saves you money. 

If you have questions, please contact our Member Service Call Center at 587-2700 (Oahu), or 1-888-586-1056 (Toll-free) or visit the nearest Hawaii State FCU branch.

*Your purchase of Hawaii State FCU FlexCredit Protector is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a loan. Certain eligibility requirements, conditions and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Hawaii State FCU FlexCredit Protector.


Featured Loan Rates
APR as low as *
*Click rate for more info. These are the lowest rates available.