233 Vineyard Street · Honolulu · HI · 96813 · Phone: 808-521-0302 · Toll-Free: 1-866-521-0302 · Fax: 808-538-3231
Monday, Tuesday, Thursday - 8:30AM to 5:00PM · Wednesday - 8:30AM to 4:00PM · Friday - 8:30AM to 6:00PM · Saturday, Sunday - Closed

Loans & Lines of Credit

Mortgage Loans

Home Equity Line of Credit

Understanding what a Home Equity Line of Credit (HELOC) is and how it works may be difficult to grasp, so having an experienced Lending Department to tell you about it and how the line works is important.  Our loan specialists have years of mortgage experience and can answer most of your toughest mortgage questions.  They make your experience in getting the line positive and painless.  They take time to help you understand in layman’s terms what the process is, what you can use the line for, and when you’ll get your money.

So when it’s time for you to look into a HELOC, consider Hawaii Schools Federal Credit Union.  We have superb service and we also have great rates.

To apply for a Hawaii Schools Federal Credit Union HELOC, click here or call our Lending Department at 521-0302, then select option 4 for an application packet to be mailed to you.  Once you complete the application, fax it to 538-3231, mail it to 233 Vineyard Street, Honolulu, HI 96813 or drop it off at our Downtown branch.

 

Home Equity Fixed Rate Loans

Owning your own home is the first step toward building a solid financial future.  We know it is important for you to get the best financing possible when it comes to doing upgrades to your home or when you need the cash to pay for medical bills, college tuition, or even a wedding.

How will you be able to accomplish any of the above?  With a Hawaii Schools Federal Credit Union, Home Equity Fixed Rate Loan.  Much like a home equity line of credit, a home equity fixed rate loan lets you borrow against the equity in your home. However, the important difference is that a home equity fixed rate loan lets you borrow one lump sum up front at a fixed interest rate and repayment is done over a specified term as compared to a revolving line (Home Equity Line of Credit).

To apply for a Hawaii Schools Federal Credit Union Home Equity Fixed Rate Loan, click here or call our Lending Department at 521-0302, then select option 4 for an application packet to be mailed to you.  Once you complete the application, fax it to 538-3231, mail it to 233 Vineyard Street, Honolulu, HI 96813 or drop it off at our Downtown branch.

If you are wondering whether you should do a fixed rate loan or a home equity line of credit… apply for both and let our Lending Department help you out to see what best fits your needs.

We look forward to receiving your application soon and helping you with your financial needs!

 

Auto Loans

Before you go into a car dealership, inquire with a private owner, or decide to refinance your existing auto loan with another financial institution, come to us!  We have great rates and terms to fit your needs and our turn-around approval time is fast.

With Hawaii Schools Federal Credit Union, you have experienced staff with over 25 years of lending experience to serve you.  That means you are in good hands when you have questions about financing or refinancing your auto loan.  They work with you one-on-one on the application process, to pre-qualify, help you understand the loan process, see whether or not an auto loan or other type of loan would be a better fit for you, and even educate you on how to improve your credit score.

So if you want experience and service on your side when you’re financing or refinancing your next auto loan, come to Hawaii Schools Federal Credit Union.  For an auto loan application, click here or call our Lending Department at 521-0302, then select option 4.  Once the application is completed, fax it to 538-3231, mail it to 233 Vineyard Street, Honolulu, HI 96813 or drop it off at our Downtown branch.

 

Personal Loans

Sometimes you may have some unplanned expenses like medical bills, auto repairs, or some home improvements that add up.  Instead of using a high-interest rate retail card, get a Personal Loan from Hawaii Schools Federal Credit Union.  You get access to funds at a lower cost than with a retail card, and we can help if you want to consolidate high-interest rate balances under one monthly fixed rate and fixed term payment.  We can help you lower your payment over the term of the loan and reduce interest costs so you can increase your pocket money.  Hawaii Schools Federal Credit Union Personal Loans offer low interest rates, fast turn-around, and great service.

For more information or to apply for a Personal Loan, click here or call our Lending Department at 521-0302, then select option 4.  Once the application is completed, fax it to 538-3231, mail it to 233 Vineyard Street, Honolulu, HI 96813 or drop it off at our Downtown Branch.

 

Education Loans

As the cost of school tuition continues to rise, paying such a huge out of pocket expense up front can be a daunting challenge.

To help you with tuition costs, we offer a great low rate Education Loan.  For more information or to apply for an Education Loan, click here or call our Lending Department at 521-0302, then select option 4.  Once the application is completed, fax it to 538-3231, mail it to 233 Vineyard Street, Honolulu, HI 96813 or drop it off at our Downtown Branch.

We will let you know within a day or two if you are approved for the loan.  Once the loan is approved, we will provide an official check payable to the educational institution of your choice.  The process is fast, simple, and convenient.  Don’t delay.  Apply now to get your Hawaii Schools FCU Education Loan today!

 

Credit Cards

VISA® Gold Credit Card

Whether you are looking to establish or strengthen your credit history, Hawaii Schools Federal Credit Union has a VISA® Gold Credit Card that can help you achieve both.

No Annual Fee

  • Low interest rate
  • Credit lines from $500 to $15,000
  • Accepted at VISA® merchants worldwide 
  • 25-day grace period on all purchases 
  • Online payment & account access through GoToMyCard.com
  • 24-hour toll-free account information
  • Additional cards available for authorized users
  • $250,000 Common Carrier Travel Accident Insurance1
  • Baggage Delay Insurance2
  • Auto Rental Collision Damage Waiver3
  • VISA® Emergency Cardholder Benefits4

 

For more information or to apply for a VISA® Gold Credit Card, click here or call our Lending Department at 521-0302, then select option 4.  Once the application is completed, fax it to 538-3231, mail it to 233 Vineyard Street, Honolulu, HI 96813 or drop it off at our Downtown Branch.

 

VISA® Platinum Credit Card

With a Hawaii Schools Federal Credit Union Platinum VISA® credit card you will be able to enjoy a higher credit line, lower annual percentage rate, no annual fee, and the following great benefits:

  • Minimum $5,000 credit line
  • Accepted at VISA® merchants worldwide
  • 25-day grace period on all purchases
  • Online payment & account access through GoToMyCard.com
  • 24-hour toll-free account information
  • An additional card is available for an authorized user
  • $1,000,000 Common Carrier Travel Accident Insurance1
  • Baggage Delay Insurance2
  • Auto Rental Collision Damage Waiver3
  • VISA® Emergency Cardholder Benefits4
  • Cell Phone Protection5
  • Roadside Dispatch6
  • Travel and Emergency Services (TEAS)7
  • Purchase Security and Extended Protection8
  • Return Protection9
  • Year-End Summary Charges10

 

For more information or to apply for a VISA® Platinum Credit Card, click here or call our Lending Department at 521-0302, then select option 4.  Once the application is completed, fax it to 538-3231, mail it to 233 Vineyard Street, Honolulu, HI 96813 or drop it off at our Downtown Branch.

1. Accidental death & dismemberment insurance for primary cardholder and immediate family members when scheduled travel tickets are purchased with the card.  2. Baggage delay benefit of up to $300 to cover expenses incurred for the emergency purchase of essential items needed by the cardholder while on a covered trip.  3. Eliminates the need for your cardmembers to pay for the collision damage waiver or similar provision provided by the commercial auto rental agencies on most passenger vehicles.  Secondary coverage for consumer card products and Primary Coverage for commercial card products.  4. Emergency Card Replacement, Emergency Cash Disbursement, Lost and Stolen Card Reporting, and Cardholder Inquiry Service (CIS).  5. Provides cardmembers supplemental reimbursement for damage or theft of an eligible cell phone.  Cardmembers must charge their monthly cell bill to their covered card.  In addition to cell phones, certain types of personal digital assistants (PDA’s) that are also cell phones are eligible when terms and conditions of the benefit are met.  Only cell phones purchased by the eligible cardmember are covered.  Eligible cell phones are limited to the primary line and up to the first two secondary, additional, or supplemental lines as listed on the cardmember’s celluar provider monthly billing statement for the billing cycle preceding the month in which the theft or damage occurred.  6. Roadside Dispatch will arrange to dispatch a reliable tow operator or locksmith to cardmembers.  All rates are pre-negotiated and conveniently billed to the covered cardmember’s card.  For $59.95 (restrictions apply) per service call, the program provides towing (up to five miles included), tire changing (must have good, inflated spare), jump starting (battery boost), lockout service, fuel delivery, and winching (within 100 feet of paved or county maintained road only).  Also provides cardmembers with an optional, personalized Trip Routing Package for $5.95 which includes easy-to-read, accurate traveling instructions, and maps.  Cardmembers can choose a direct route plan or a scenic route that highlights points of interest and road information along their route.  7. Encountering an emergency situation away from home can be a frightening experience.  That’s why we’ve created a 24-hour assistance center for covered cardmembers.  TEAS covers cardmembers and their spouses and dependent children 22 years of age or under who are traveling with them.  TEAS is available by calling a dedicated toll-free number in the United Sates, or through a collect telephone number when traveling abroad, 24 hours a day, 7 days a week.  This program provides assistance only.  Cardmembers are responsible for the cost of any services received.  The following services are offered: Pre-Trip Assistance, Medical Referral Assistance, Emergency Transportation Assistance, Emergency Message Service, Prescription Assistance and Valuable Document Delivery Arrangements, Legal Referral Assistance, Emergency Ticket Replacement, Lost Luggage Locator Service, and Emergency Translation Service.  8. Purchase Security will replace, repair, or reimburse covered cardmembers up to a maximum of $10,000 in the event of theft or damage.  Extended protection doubles the time period of the original manufacturer’s written U.S. repair warranty up to one full year of warranties of three years or less and up to a maximum of $10,000 per claim.  9. Offers reimbursement to cardmembers on items they purchase.  If a cardmember makes an eligible purchase with a covered card and is dissatisfied with the item for any reason (within 90 days from the date of purchase) Return Protection will reimburse the cardmember up to $250 per item and up to $1,000 annually per account.  10. Take the hassle out of year-end bookkeeping.  All card purchase are conveniently itemized and listed by purchase type. 

 

For current loan rates, click here.

Important Information:  All credit union products and services are subject to membership eligibility.  All loans are subject to credit review.