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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.

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.
Learn More about first auto loan

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 More about first credit card

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.
Learn More about first personal loan

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