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First Time
Borrower Program

Building credit is important

Having good credit is important when applying for loans, but how do you build credit without having a credit history? Hickam Federal Credit Union provides first time borrowers an opportunity to build their credit through the First Time Borrower Program.  This program is designed to assist borrowers without a conventional credit score by obtaining their first automobile loan, first credit card, or first personal loan with Hickam Federal Credit Union. These loans will be structured according to your income and be within your means with terms you can afford. All loans are subject to qualifications and credit approval.

Are you a first time borrower? We're here to help first time borrowers build their credit with afforable loans. Access Mastercard credit card. New or Used auto loan. Personal Loan. Call us about the promotional rates for Personal and Auto Loan from October 1 to December 31, 2022.

All loans are subject to qualifications and approval. Certain terms and conditions apply. Rates are subject to change without notice. Hickam FCU membership required.


Hickam FCU First Auto Loan

Cars take us from home to work to school to play. Our First Time Borrower Program will help you get your first set of wheels. Get pre-approved for a new or used auto loan with Hickam FCU. This will make your dealership experience quicker and easier!

Hickam FCU First Auto Loan - New

  • 100% loan to value ratio
  • Borrow $3,000 to $30,000

Hickam FCU First Auto Loan - Used

  • 90% loan to value ratio
  • Borrow $3,000 to $30,000

Apply Herefor an Auto Loan 
Give us a call at 808-432-9888 to learn more.

Repayment method via Pre-Authorized Transfer from a Hickam FCU share account is required.


Hickam FCU First Personal Loan

Personal loans are great for when you need money to pay for a necessity up-front. This loan is great for paying for tuition, home improvements, emergencies, and more

  • Borrow a minimum of $1,000 up to $4,000

Hickam FCU First Personal Loan (Secured)

  • Borrow a minimum of $300 up to your Hickam FCU Savings Account or Certificate Account balance
  • Secure the loan against your Hickam FCU Savings Account or Certificate Account

Apply Herefor an Access Mastercard® 
Give us a call at 808-432-9888 to learn more.

Repayment method via Pre-Authorized Transfer from a Hickam FCU share account is required.

 

Hickam FCU First Credit Card

First time borrowers may apply for the Hickam FCU Access Mastercard®. It's a great starter credit card for those with little to no credit history (subject to certain terms and conditions). Like all of our credit cards, our Access Mastercard® has no annual fee.
Learn Moreabout Access Mastercard®

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