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Hawaii State FCU Personal Loans Calculator & Overview

Carla Soto
Carla Soto
Updated 19 Aug 2023
Fact checked

Hawaii State Federal Credit Union (HSFCU)

Hawaii State Federal Credit Union (HSFCU) was founded in 1936 and is based in Honolulu. As of 2013, it had more than 77,000 members and over $1.3 billion in assets. They have financial services such as savings, checking, CDs, loan products, mortgage, and refinancing.

Taking out a loan can be a huge financial choice, so make it wisely. You might be asking, ‘Will I qualify for a Hawaii State FCU personal loan?’ With the Hawaii State FCU personal loans calculator, you can see what your potential repayments could look like for you.

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.

A quick guide to personal loans from Hawaii State FCU

Hawaii State FCU offers personal loans that you can use to plan a wedding, pay for medical bills, or home renovations. Qualified borrowers get low rates and easy repayment options. Rate discounts are available for automatic loan payments.

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

  • Loan amounts: from $500 to $30,000
  • Loan terms: between 1 year and 6 years
  • Repayment frequency: monthly
  • Interest rates: starts at 5.50% to 8.50% APR
  • Discounts: 0.25% rate discount for automatic payments

Requirements for a Hawaii State FCU personal loan

Only current members and employees are qualified to take out a Hawaii State FCU personal loan. You can join Hawaii State FCU if you meet any of the following requirements:

  • Active and retired employees of the State of Hawaii
  • Active and retired employees of the City and County of Honolulu
  • Active and retired employees of Maui County
  • Active and retired employees of Hawaii State FCU
  • Immediate family and household members of all eligible persons listed

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

  • Proof of identity: Submit a copy of government-issued IDs such as driver’s license, passport, or birth certificate to prove that you are at least 18 years old and with a permanent US address.
  • Capacity to pay: For employed individuals, submit pay stubs or employer contact information; for self-employed individuals, submit bank statements or tax returns.
  • High credit score: The minimum is at least 600; ideally, a score of 700 is better.
  • Low DTI ratio: It should be lower than 40% although some lenders will approve those with a debt-to-income ratio of up to 50%.

 

Hawaii State FCU personal loan calculator

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Product Information
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Repayment
Interest
Rate
Repayment
Period
Loan
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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 State FCU personal loans

Pros

  • Option to borrow small starting at $500
  • Qualified borrowers can receive funding as much as $30,000
  • Longer repayment term lengths
  • Lower APRs compared to those from other lenders
  • Rate discounts for automatic payments

Cons

  • Not available for non-Hawaii residents

Frequently asked questions

How much can I borrow from a personal loan from Hawaii State FCU?

You can borrow between $500 and $30,000.

What are the repayment terms for a personal loan from Hawaii State FCU?

A loan from Hawaii State FCU can be repaid over a period between 1 and 6 years. Repayments should be done on a monthly basis.

What is the estimated APR of a Hawaii State FCU personal loan?

Potential rates for a personal loan from Hawaii State FCU can range between 5.50% and 8.50%.

Are there discounts available with a Hawaii State FCU personal loan?

Yes. You may qualify for a 0.25% rate discount if you set up automatic payments for your personal loan.

Does Hawaii State FCU provide a debt protection plan?

Yes. Hawaii State FCU has a debt protection plan to help lessen your worries about paying loans when your income is reduced or lost.

Video: Hawaii State FCU Commercial – Draw Your Dreams

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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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