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 Personal Loan  

If it’s important to you, it’s important to us.  A personal loan may be just what you need for those expected and sometimes unexpected cash needs.  Whether its baby’s first birthday luau, debt consolidation or that unexpected auto repair, CU Hawaii can help with a personal loan with payments that can fit your budget.  You can apply at any branch or use our convenient online application.

Savings and Certificate Secured Loans

If you don’t want to touch your hard-earned savings or break a certificate, which could result in early withdrawal penalties, ask about a Savings or Certificate Secured Loan.  Get a very low interest rate and still earn a dividend on your savings or certificate.  The application process is very quick and easy. 

Money Market, IRA, and checking accounts cannot be pledged for a loan.

Auto Loans

When you are ready for a new set of wheels let CU Hawaii put you in the driver’s seat.  We have loans for new or used autos.  New car loans allow finance terms up to 7 years and on used car loans terms can go up to 6 years. 

If you recently purchased your new car it’s still not too late to move your auto loan over to CU Hawaii.  We may be able to lower your interest rate and your monthly payment!  A lower interest rate and monthly payment puts money back into your pocket. 

Get Pre-approved First!

When you get pre-approved before you start shopping for your next car you will know exactly what you qualify for, and you could be eligible for Member Rewards up to $300.  And that’s money in your pocket!

Need more information?  Call one of our friendly Member Service Representatives at 808-933-6700 or apply online now!

MasterCard® Credit Cards

Whether you are just starting out and are looking to get your first credit card or you want a card that gives your free travel and merchandise rewards, CU Hawaii has a card program built just for you.  The MasterCard® Classic card is perfect for just starting out and with our MasterCard® Platinum Plus card you can earn points to use towards Rewards!

Card Type
Credit Limit

MasterCard® Classic

$500.00 - $4,999.99

MasterCard® Gold

$5,000.00 - $9,999.99

MasterCard® Platinum

$10,000.00 - $25,000.00

MasterCard® Platinum Plus

$10,000.00 - $25,000.00

MasterCard® Business

To be determined

Benefits of having a CU Hawaii MasterCard® Credit Card

  • MasterCard® Platinum Plus – earn points for FREE Gift Cards and Travel Rebates.
  • Over 7 million locations worldwide for business, travel, or personal items.
  • Flexible spending limits.
  • Access to additional cash, when needed.

Click here to see how far your points* can take you.

*Maximum points a member can redeem for the MasterCard® Platinum + Travel card at one time is 100,000 points.


Lost/Stolen Cards


Travel Award Redemption

(808) 933-6700

Card Activation


Line of Credit

For those moments when you need some quick cash our Line of Credit is the perfect answer.  Once your line of credit is established you can access your line without having to apply for a loan.  Your line of credit is ready when you are!

Easy Access:
  • Over the counter at any CU Hawaii branch
  • Telephone Banking
  • Online Home Banking


Overdraft Protection

Get overdraft protection and avoid unnecessary fees and the embarrassment of dealing with a returned check.  Whether it’s a personal check, preauthorized payment, or debit card charge overdraft protection stands in for you, up to your approved limit.  Speak with one of our member service representatives and get qualified today!

Real Estate Loans

What are your real estate needs?  At CU Hawaii we can take you from purchasing vacant land, building your dream home, applying for a First Mortgage or taking advantage of the equity in your home with a Home Equity Line of Credit.  We even have a Home Equity Line of Credit were you can choose your introductory fixed rate with terms up to 5 years! 

First Mortgage

Call an expert at CU Hawaii about applying for a First Mortgage Loan.  We’ve been financing homes on the Big Island of Hawaii for years.  Get pre-qualified and know exactly how much home you can afford before you start looking for that perfect home.

Second Mortgage

Need to tap into your homes equity for a large commitment like home improvement and want a rate that is fixed, then a Second Mortgage may be for you.

Home Equity Line of Credit

Set up a Home Equity Line of Credit and put your equity to work for you when you are ready.  Perfect for home improvements, family vacations, debt consolidation and much more.  It’s up to you!

Vacant Land

When you find that perfect lot CU Hawaii can help you secure it with our Vacant Land loan.  We lend up to 80% for future primary residence, with terms of 36 up to 180 months, fixed or adjustable rates, and no points. 

Construction Loan

If you’re looking to build that custom home of your dreams, CU Hawaii has a variety of construction permanent financing that will fit your needs! Contractor, Owner Builder and loan products for the Investor, CU Hawaii will work with you to make sure the project is done according to your plans and specifications. Ask about CU Hawaii’s interest only payments during construction.  It’s an affordable alternative to make your dreams a reality!

For more information about all of our Real Estate loans call CU Hawaii at 808-933-6700.


Go Green Loans

Photovoltaic and Hot Water Solar 

Save money while saving the environment! CU Hawaii offers special financing for Photovoltaic and Solar Water Heating systems. We work with you and your Ohana to GO Green! You may also qualify for Federal and State tax credits when you purchase you photovoltaic system.*

Going GREEN to protect the `Aina for our Ohana… and saving money too!

* Be sure to consult with your tax advisor on federal and state tax credits.