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. 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 Now

Repayment method via Pre-Authorized Transfer from a Hickam FCU checking 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 Now

Repayment method via Pre-Authorized Transfer from a Hickam FCU checking 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 More about Access Mastercard®