; RATES - Hawaii Central Federal Credit Union

NOTICE: Our offices will be closed on Monday, May 27th in observance of Memorial Day.


From competitive rates to minimal fees, Hawaii Central offers products that support your financial well-being and fit your individual or business needs. We are here to help you reach your goals. View Consumer Rates and Business Rates.


Savings Rates

Your savings starts the moment you join Hawaii Central and make an initial deposit into your Regular Share (Savings) Account. Dividends on this account are declared and paid quarterly.


Personal Loan Rates

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


Auto Loan Rates

Whether it’s purchasing a new or used car, hybrid, or refinancing your auto loan, we have competitive rates to meet your needs.


Home Loan Rates

Hawaii Central offers a variety of home loan programs to buy, build or renovate your current or future home. Take the next step in home ownership with competitive loan rates.


Student Loan Rates

When the financing on your 4-year public or private non-profit education falls short, our private student loan can help fill in the gap. Apply once and on annual approval, your line of credit to get advances is good for at least four years.


Line of Credit Rates

Our lines of credit allow you the flexibility to have access to funds whenever you need it. Our Line of Credit can be linked to your Share Draft Checking Account.


Credit Card Rates

Earn 1% cash back every year! Cash back earned throughout the year will automatically be credited to your statement monthly.