Loans & Mortgages

Is Hawaii National Guard Credit Union a full-service financial institution?

Hawaii National Guard Credit Union offers savings, checking and certificate accounts, mortgages and a variety of loan products to meet your needs. The credit union also provides many other useful services. Please explore our website or call us for more information.

Do you offer consolidation loans?

Hawaii National Guard Credit Union offers an array of loan products. Please visit any of our branches or call us at 808-737-5714 or 1-877-218-6906 for assistance.

Do you offer pay day loans?

Hawaii National Guard Credit Union offers personal term loans, auto loans and VISA credit cards.

Can the credit union assist me with a student loan?

We do not offer federally funded student loans. However, please contact us for information regarding other loan options that may be available to meet your educational needs.

Do you offer student loan consolidation?

We do not offer government-insured student loans. Refer to your school's financial aid office for assistance.

Do you offer construction loans?

We do not currently offer construction loans. Please contact us at 808-737-5714 or 1-877-218-6906 or visit one of our branch locations for information about our other loan products that might assist you.

What are your current mortgage rates?

Mortgage rates are provided by our partner, Aloha Pacific FCU.

Current rates are posted in the Mortgage section. For more information, please call us at 808-737-5714 or 1-877-218-6906. Or you may call Aloha Pacific FCU's Member Support at 808-531-3711 or 1-877-531-3711 and ask to speak to a mortgage lending representative.

What are your loan rates for used vehicles?

Rates are listed on our Personal Loan Rates and Fees page. 

Please call us at 808-737-5714 or 1-877-218-6906 for additional assistance.

Can I apply for an auto loan if I have not yet found the car I want?

Yes, you may complete an application for a pre-approved loan amount by visiting one of our branches, completing and submitting an application online, or call us at 808-737-5714 or 1-877-218-6906 for additional information and assistance.

Can I refinance my car loan?

Please visit any of our conveniently located branches or contact us for assistance.

What does GAP Insurance cover?

Guaranteed Auto Protection (GAP) is a financial bridge between what you owe and how much it's worth.

Please call us at 808-737-5714 or 1-877-218-6906 for more information.

My vehicle is financed with the credit union. May I take the vehicle out of the state?

To request to ship a vehicle out of the state, you will be asked to complete an Authorization to Ship Automobile form.

Please visit any of our branch locations or call 808-737-5714 or 1-877-218-6906 for additional documentation and information requirements.

How long does it take to receive my title once I pay off my auto loan?

Upon receiving your final auto loan payment, allow for a minimum of 10 business days to receive your vehicle title.

Is there a pre-payment penalty on car loans?

There are no pre-payment penalties on auto loans financed through Hawaii National Guard Credit Union. Please refer to your loan documents and disclosures for any pre-payment penalties on other loans.

You may contact us at 808-737-5714 or 1-877-218-6906 and speak with a representative in the Consumer Loan Department for additional assistance.

How do I quality for a loan or credit card?

Granting of credit is based on a person's credit worthiness and capacity to repay his/her debts. For additional information, please call us at 808-737-5714 or 1-877-218-6906.

I applied for a loan online. Can I check the status?

Please call us to check the status of your online loan application. If you have previously established a user profile through the Online Application Center of Hawaii National Guard Credit Union, you can use the "Returning Users" login box on the loan application page.

How many co-signers can I have on my loan?

Please visit any of our conveniently located branches or call us for assistance.

How will I know if I will need a co-signer? A co-signer may be an alternative to obtain a loan that may not be considered otherwise.

What do I do if my information is not updated at the credit bureau?

You may address your concerns with the credit reporting agency.

How do I get information on repossessed autos?

Hawaii National Guard Credit Union will work with members who may be experiencing financial difficulty. In the event a vehicle must be repossessed, the vehicle is sold at an auction and not made available to the general public.

Can I make my loan payment over the phone and online?

Loan payments are accepted at Hawaii National Guard Credit Union and Aloha Pacific Federal Credit Union branches, by telephone at 808-737-5714 or 1-877-218-6906, telephone banking (KalaTalk) and Online Banking.

How can I pay my loan from another bank or financial institution?

Loan payments generated from another bank or credit union must be set up through that bank/credit union. Please refer to your bank/credit union to set up your payments.

Where can I mail my loan payment?

You may mail your loan payments to:

Hawaii National Guard Credit Union
832 South Hotel Street
Honolulu, Hawaii 96813

I am making my last consumer loan payment. How do I obtain a payoff?

You may obtain your payoff balance by visiting any of our branches or call us at 808-737-5714 or 1-877-218-6906.

Is there a grace period on my consumer loan payment?

Your loan payment is due on the due date. Please visit any of our conveniently located branches or call us at 808-737-5714 or 1-877-218-6906 for assistance.

Who can I call to discuss my delinquent loan?

You may contact us at 808-737-5714 or 1-877-218-6906 and speak with a representative in the Consumer Loan Department.

How can I refinance my home loan?

Please visit any of our branches or call us at 808-737-5714 or 1-877-218-6906. Or you may call Aloha Pacific FCU's Member Support at 808-531-3711 or 1-877-531-3711 and ask to speak to a mortgage lending representative.

What does it cost to finance a mortgage loan?

Please visit any of our branches or call us at 808-737-5714 or 1-877-218-6906. Or you may call Aloha Pacific FCU's Member Support at 808-531-3711 or 1-877-531-3711 and ask to speak to a mortgage lending representative.

What is the fee on a late mortgage payment?

Please visit any of our branches or visit our website for information on Mortgage Loans.

Do you offer VA or FHA loans?

Please call our Aloha Pacific FCU loan officers at (808) 539-0187, (808) 539-0381, (808) 539-0383 or (808) 539-0378.

How can I get a mortgage pre-approval?

Please visit any of our branches or call us at 808-737-5714 or 1-877-218-6906. Or you may call Aloha Pacific FCU's Member Support at 808-531-3711 or 1-877-531-3711 and ask to speak to a mortgage lending representative.

What is the process for refinancing my current 1st and 2nd mortgage that I have through the credit union?

Please visit any of our branches or call us at 808-737-5714 or 1-877-218-6906. Or you may call Aloha Pacific FCU's Member Support at 808-531-3711 or 1-877-531-3711 and ask to speak to a mortgage lending representative.

Does the credit union offer no closing cost and no points loans?

Please visit any of our branches or call us at 808-737-5714 or 1-877-218-6906. Or you may call Aloha Pacific FCU's Member Support at 808-531-3711 or 1-877-531-3711 and ask to speak to a mortgage lending representative.

Are there any deals for first-time home buyers?

Please visit any of our branches or call us at 808-737-5714 or 1-877-218-6906. Or you may call Aloha Pacific FCU's Member Support at 808-531-3711 or 1-877-531-3711 and ask to speak to a mortgage lending representative.

Can I be notified when mortgage/refinance rates are updated?

Please visit any of our branches or call us at 808-737-5714 or 1-877-218-6906. Or you may call Aloha Pacific FCU's Member Support at 808-531-3711 or 1-877-531-3711 and ask to speak to a mortgage lending representative.

Can I roll my closing fees into my loan?

Please visit any of our branches or call us at 808-737-5714 or 1-877-218-6906. Or you may call Aloha Pacific FCU's Member Support at 808-531-3711 or 1-877-531-3711 and ask to speak to a mortgage lending representative.

What are closing costs?

Closing costs are fees paid by the mortgage borrower (loan fees, discount points, title insurance, appraisal fees, credit report, recording fees, etc.).

Please visit any of our branches or call us at 808-737-5714 or 1-877-218-6906. Or you may call Aloha Pacific FCU's Member Support at 808-531-3711 or 1-877-531-3711 and ask to speak to a mortgage lending representative.

Does the credit union offer Home Equity Line of Credit and Home Improvement Loans?

Hawaii National Guard Credit Union offers Home Equity Line of Credit (HELOC) and Personal Loans. Please visit any of our branches or call us at 808-737-5714 or 1-877-218-6906. Or you may call Aloha Pacific FCU's Member Support at 808-531-3711 or 1-877-531-3711 and ask to speak to a mortgage lending representative.

How do I sign up for an Overdraft Line of Credit?

A credit application and approval is required for an overdraft line of credit account. You can apply online by visiting our Personal Loans page, or stop by one of our convenient branch locations.

Are there any fees associated with the overdraft line of credit account?

There are no annual fees and no pre-payment penalties. Late payment fees do apply.

What do you offer for credit cards?

Beginning May 1, 2017, Hawaii National Guard Credit Union members may apply for Aloha Pacific Federal Credit Union's VISA® Platinum credit cards, accepted worldwide.

Please visit the Credit Cards area on our website for additional information, or stop by one of our convenient branches.

Can I use VISA® Credit card at an ATM?

You may obtain cash advances from any ATM that bears the logo of VISA®.

Does the credit union have a reward program on VISA® Credit cards?

Yes, the program is called Aloha Pacific Rewards. You earn 1 point for every $1 purchase using your Aloha Pacific Federal Credit Union VISA® Platinum Rewards credit card. Your points may be redeemed for gifts or travel. For additional information, please visit dreampoints.com/alohapacificrewards

Where do I send my VISA® Credit Card payments?

Your VISA® Credit Card payments may be made at any of our branch locations or you may mail payments to:

VISA
P.O. Box 4521
Carol Stream, IL
60197-4521

or make your payments online at www.ezcardinfo.com/login.

Do you process credit card limit increase requests online?

You may be able to apply for an increase online. Upon receiving and reviewing your application, our loan office will contact you for additional information.

How do I request a MasterCard Credit Card?

We do not currently offer MasterCard Credit Cards.

You may apply for an Aloha Pacific Federal Credit Union VISA® Platinum Credit Card by visiting any of our branch locations or contact us for assistance. Or apply online in our Credit Cards section.

If a member is under the age of 18, can he/she apply for a loan, VISA® credit card or overdraft protection?

Members must be at least 18 years of age to apply for credit at Hawaii National Guard Credit Union.

How do I dispute an unauthorized charge on my VISA® credit card?

Call VISA®'s Customer Service at 1-800-442-4757 to report unauthorized charges. You may file a dispute claim on a VISA® transaction that you did not perform or one with which you do not agree.

Will I receive a tax statement? (i.e. 1099-INT, 1098, etc.)

Did you receive more than $10 in dividends for your account(s) or paid $600 or more of interest on a Home Equity Line of Credit (HELOC)?

To check the YTD (Year To Date) Dividends you received or the total mortgage interest you paid, please refer to your December account statement.

If you enrolled for Online eStatements before December 15, a copy of your electronic tax statements will be available to print/download through Online Banking. Otherwise, a copy of your tax statement(s) will be delivered to you if you receive printed statements by mail.

ADDITIONAL NOTES

  • If you maintain multiple account numbers, you receive a 1099-INT for each account that earned more than $10 in dividends.
  • You will not receive a 1099-INT tax statement if the dividends you received on an account was $10 or less.
  • You will not receive a 1098 tax statement if you paid less than $600 of interest on a HELOC.
  • If you obtained a mortgage loan through APFCU, your mortgage is being serviced by CUSO of Hawaii Services. For more information and assistance, visit the CUSO of Hawaii Services website or call 808-539-0172 (U.S. toll free, 1-800-708-2876).
  • You can log into Online Banking by going to hngcu.com and enter your login credentials in the Sign In box. Click on 'Online eStatements' to download and print your tax statement(s).
  • If you closed your Aloha Pacific account or paid off your HELOC before December 31, please refer to the last statement you received.