; Share Secured Loan Rates - Hawaii Central Federal Credit Union

Following the City and State's recommendations and continued severe weather conditions, our offices will be closed at 4pm on Friday, 3/20/26. We apologize for any inconvenience this may cause and appreciate your understanding.

Rates > Personal > Share Secured

Hawaii Central Rate Summary

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.

Rate Effective as of October 29, 2025

Apply Now

TERM
APR*
Example Payment per $1,000
1
YEAR
2.60%APR*

*APR=Annual Percentage Rate. 2.50% APR above the current share rate. Loan terms up to 10 years are available. Payment example based on a loan of $1,000 with a 2.60% APR will have 12 payments of $84.51. 110% of the loan amount will be used to secure this loan. Please call our Consumer Loan Department at (808) 536-0833 for complete details.

This website is not fully supported in Internet Explorer. Please use Chrome, Firefox, or Safari for the best viewing experience.

OK