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Eco-Personal Loans

Thinking of going "green"? Planning to install a Solar Photovoltaic (PV) or Solar Water Heater system? Or, are you at the end of the initial financing of your current PV or solar system and looking to refinance the balloon payment?

Hickam FCU has an Eco-Personal Loan with a low, introductory rate of 1.00% APR for the first 12-months, to help. Hickam FCU's Eco-Personal Loan features:

  • Flexible terms of either 72, 84, or 96 months.
  • Low introductory fixed rate of 1.00% APR* for the first 12-months. Thereafter, additional discounts available depending on the term for the remaining life of the loan.
  • No balloon payments.
  • Choose your own licensed contractor.
  • Minimum loan amounts are $5,000 for a 72-month term and $10,000 for a 84- or 96-month term. Maximum loan amount is $50,000.
  • Quick loan decisions.

*The introductory Annual Percentage Rate (APR) for an Eco-Personal Loan will be 1.00% APR for the first 12 months; and for the remaining months, the APR is as low as: 4.75% APR for 60 months; 5.25% APR for 72 months; and 5.75% APR for 84 months. Payment Example: For an 84-month term and a loan amount of $50,000 at 5.25% APR, the monthly payment for months 1- 12 at 1.00% APR will be $715.78 and for months 13-84 at 5.25% APR will be $679.23. All loans subject to approval. Loan amount cannot exceed contracted amount for PV or Solar Water Heater system. Must provide valid contract for purchase and installation. If refinancing an existing PV or solar water heater system, purchase and installation must have been made within 24 months prior. Other rates and terms available. Cannot be combined with other discounts or promotions. Certain terms, conditions, restrictions, and fees may apply. Rates and program subject to change or may be discontinued at any time without notice.

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