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Hawaii Community Federal Credit Union Personal Loans Calculator & Overview

Carla Soto
Carla Soto
Updated 19 Aug 2023
Fact checked

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Hawaii Community Federal Credit Union (HCFCU) started in 1936 and is based in Kailua Kona, Hawaii. It is the only US credit union founded by Kona coffee farmers. They offer a broad range of financial products such as loans, credit cards, mortgages, insurance, Certificate of Deposit (CDs), and individual retirement accounts (IRAs).

Sometimes in life, you are unprepared for things like bills or expenses that must be dealt with right away. If you plan to take out a loan from Hawaii Community FCU, figure out how much you’ll have to pay each month and how long it will take to repay the entire amount. Let the Hawaii Community Federal Credit Union personal loans calculator provide you with an estimate of your monthly payments.

Personal loans have an annual percentage rate (APR) varying from around 3% to 36% APR. The interest rates you can receive will depend on a range of factors, such as your credit score, income, and debt-to-income ratio. On a loan of $10,000 over 5 years, the cost could vary between $10,781 and $21,680. The interest cost is between $781 and $11,680.

An overview of Hawaii Community Federal Credit Union personal loans

Hawaii Community FCU offers personal loan products to finance planned or unexpected costs in life. Qualified borrowers can use the funds for debt consolidation, home renovations, car repairs, and so much more. A personal loan from Hawaii Community FCU has flexible repayment terms and competitive rates.

Here is a roundup of the key features and benefits of a personal loan from Hawaii Community FCU:

  • Loan amounts: $30,000 maximum
  • Loan terms: between 36 and 60 months
  • Interest rates: 5.00%-9.50% APR (up to 36 months); 5.75%-11.25% APR (up to 60 months)

Requirements for a Hawaii Community FCU personal loan

Only current members and employees are eligible to take out a Hawaii Community FCU personal loan. Join now so you can enjoy all the available membership benefits and privileges. You only need to meet any of the following requirements:

  • An individual who lives, regularly works, worships, attends schools or performs volunteer services on Hawaii Island
  • Owner of a business or other legal entities located on Hawaii Island
  • An immediate family member of a Hawaii Community FCU member

The criteria for applicants of a Hawaii Community FCU personal loan are undisclosed. Typically, here are the general expectations from most lenders:

  • You are 18 years of age or older. Provide at least two forms of government-issued identification such as passport or certificate of citizenship.
  • You are a US citizen or resident. Provide a copy of a voter registration card or auto insurance that lists your address.
  • You have consistent and steady monthly income. Common forms of income verification include pay stubs, 1099 forms, or income tax returns.
  • You have a good credit standing. Aim to maintain a minimum credit score of 600. Ideally, a credit score of 700 can result in lower APRs, higher loan amounts, or a more reasonable repayment term.
  • You have a good debt-to-income ratio. Most lenders expect applicants to have a DTI ratio of 40% or lower.

 

Hawaii Community Federal Credit Union personal loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
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Loan Amount

$20,000

Term

3 months

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

Pros and cons of Hawaii Community FCU personal loans

Pros

  • Borrow up to $30,000 with no collateral required
  • Fast approval for applicants with good credit history
  • Easy online application process

Cons

  • For members only
  • No clear list of borrower criteria and requirements
  • Lowest loan amount undisclosed

Frequently asked questions

What can I use the Hawaii Community FCU personal loan for?

Their personal loans can help you accomplish life goals and take care of your family’s finances. Use it to pay for home, school, business, or leisure expenses.

How can I apply to Hawaii Community FCU for a personal loan?

Anyone who is a member of Hawaii Community FCU can submit a personal loan application. If you are not yet a member, just look at the list of eligibility requirements to see if you qualify to join the credit union.

What are Hawaii Community FCU’s minimum and maximum loan amounts?

Qualified borrowers can receive funds as high as $30,000.

How much does Hawaii Community FCU charge for personal loans?

Potential rates for a 36-month loan can range between 5.00% and 9.50% while APRs for a 60-month loan can range from 5.75% to 11.25%.

What number do I need to call to ask about personal loans from Hawaii Community FCU?

You can call 808.930.7700 to find out more.

Video: Learn about Hawaii Community FCU

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Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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