; Personal Rates - Hawaii Central Federal Credit Union

Our branches will be closed at 12pm on Friday, December 5, 2025 for a staff event.

Emergency Assistance Programs are available to our members affected by the recent government shutdown. Click here for more information.

Our branch will be closed on Thanksgiving Day, November 27, 2025

Personal > Personal Loans

Personal Loan Products

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Personal Loans

Whether it’s consolidating your debts, having unexpected financial needs, or planning a vacation, our personal loans can assist you with your needs with no collateral required.

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Share Secured Loan

Allows you to use your share savings account as collateral to obtain a low interest loan and still earn dividends on your share savings account. Loan terms up to 10 years are available.