Our Loan Products

To apply for a loan, a loan application must be completed. For your convenience, you can apply for a loan through this web site, by fax, in person or by mail. Non-Members may join and apply for a loan on the same day.

All rates and terms are subject to change without prior notice.

New Auto
Hickam FCU will finance up to 130% of the MSRP of a new car, truck or van, which may include tax, license, GAP, extended warranty or other auto related add-ons. Terms start at 36 months with extended terms up to 84 months for higher balance loans.

Used Auto
Hickam FCU will finance up to 110% of the Kelley Blue Book Retail Value, which may include tax, license, GAP, extended warranty or other auto related add-ons. Terms start at 36 months with extended terms up to 72 months for higher balance loans.

Preapprovals of New and Used Auto Loans Available
Know how much you can borrow and have peace of mind before shopping for a vehicle with a preapproved loan.

Savings Secured Loan
A savings secured loan is a great way to obtain a below market interest rate loan while continuing to have your funds earn dividends along the way. Borrow up to 100% of your available balance with terms as long as 6 years.

Personal Loan
When you need money for a vacation, tuition or debt consolidation a HFCU Personal Loan is the perfect solution. All you need is your good credit history and your signature. Terms from up to 60 months with a maximum unsecured loan limit of $25,000.

VISAŽ Classic, VISAŽ Gold, VISAŽ Platinum Credit Cards
Hickam Federal Credit Union has three VISAŽ Credit Card Programs for members to choose from. Keep track of your balances on ezcardinfo.com.

Line of Credit
Members can establish an unsecured, open-ended Line of Credit up to $10,000. As a revolving credit account, your line of credit gives you the ability to access cash for whatever you need, whenever you need it, right up to your available credit limit.

Besides giving you the convenience of instant access, your line of credit also doubles as overdraft protection on your checking account.

Mortgage Loans
We offer a variety of loan plans including first and second mortgages on both owner occupant and investor properties. All property must be fee simple and located in the State of Hawaii. Maximum loan amounts are based on 80% of the appraised value up to $340,000 per property with a combined maximum total of $500,000 per member for all consumer and mortgage loans.

Home Equity Line of Credit
Apply for a home equity line of credit and you could be eligible to deduct up to 100% of your interest expense as a tax deduction (Please consult a tax advisor regarding the deductibility of interest). Home Equity Line of Credit are for Hawaii owner occupants only.

Call the credit union at 808-423-1391 or 800-432-4328 for current Mortgage Rates.