Rates > Student Loans
Rate Summary
Student Loans
These loans are for eligible students to help cover the cost of higher education at a four-year college or university. We have several kinds of student loans and alternative loan options.
Rate Effective as of October 29, 2025
YEARS
*APR=Annual Percentage Rate. The APR is variable and may be adjusted quarterly based on the Prime index as published by the Wall Street Journal. APR will not go below 6.00% and will not exceed 15.00%. The total length of the Repayment Term will be twenty (20) years if the Account Balance at the end of the Draw Period is less than or equal to $40,000 and will be twenty-five (25) years if the Account Balance at the end of the Draw Period is greater than $40,000. Subject to credit qualification and additional criteria, including graduating from an approved school. Hawaii Central Federal Credit Union membership required.
YEARS
*APR=Annual Percentage Rate. The APR is variable and may be adjusted quarterly based on the Prime index as published by the Wall Street Journal. APR will not go below 6.00% and will not exceed 15.00%. The total length of the Repayment Term will be twenty (20) years if the Account Balance at the end of the Draw Period is less than or equal to $40,000 and will be twenty-five (25) years if the Account Balance at the end of the Draw Period is greater than $40,000. Subject to credit qualification and additional criteria, including graduating from an approved school. Hawaii Central Federal Credit Union membership required.