Loans and Credit Card Rates

Effective as of: 11/01/2019

Credit Cards

as low as APR*
Platinum Mastercard® 7.75% 

Enjoy great rates, amazing rewards, awesome benefits, and global acceptance with our Platinum Mastercard®

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Vehicle Loans

as low as APR*
New Auto Loan 1.50%

Take the stress out of vehicle-buying and be assured that you’re getting the right financing.

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Used Auto Loan 1.50%

Take the stress out of vehicle-buying and be assured that you’re getting the right financing.

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New Motorcycle Loan 4.75%

Let the good times roll! Zip on over for your motorcycle loan.

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Used Motorcycle Loan 4.75%

Let the good times roll! Zip on over for your motorcycle loan.

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New Boat Loan 3.90%

Hanapa’a! Catch the big one with a boat loan! For power, sail, or watercraft, cruise on over to the credit union.

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Used Boat Loan 3.90%

Hanapa’a! Catch the big one with a boat loan! For power, sail, or watercraft, cruise on over to the credit union.

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Consumer Loans

as low as APR*
Personal Loan 4.00%

For that much needed vacation or even an unexpected home repair, our Personal Loan can provide the funds you need.

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Renewable Energy Loan 2.50%

Our Renewable Energy Loan makes it easy to borrow funds for your energy-saving systems.

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Personal Line of Credit 10.00%

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Real Estate Loan

as low as APR*
Mortgage Call for current rate

We can help you finance your home!

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HELOC Less Than 80% Combined Loan-to-Value 5.00%

Tap the equity you have in your home with a Home Equity Line of Credit. It’s ideal for the home improvement projects you’ve always wanted to do, college tuition, or even debt consolidation.

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HELOC Greater Than 80% Combined Loan-to-Value 5.50%

Tap the equity you have in your home with a Home Equity Line of Credit. It’s ideal for the home improvement projects you’ve always wanted to do, college tuition, or even debt consolidation.

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Investment HELOC 5.50%

Tap the equity you have in your home with a Home Equity Line of Credit. It’s ideal for the home improvement projects you’ve always wanted to do, college tuition, or even debt consolidation.


Savings Secured

as low as APR*
Share Pledge 1 - 3 years 3.00%

Enjoy lower rates with a loan secured by your HLEFCU savings account.

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Share Pledge 4 - 5 years 3.50%

Enjoy lower rates with a loan secured by your HLEFCU savings account.

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Share Pledge 6 - 7 years 4.50%

Enjoy lower rates with a loan secured by your HLEFCU savings account.

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Share Pledge 8 - 10 years 6.00%

Enjoy lower rates with a loan secured by your HLEFCU savings account.

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*Annual Percentage Rate (APR)

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