Personal Loans

Looking to add on to your home, pay for college or buy that new car you’ve been fantasizing about? Whatever your need, as a Hawaii National Guard Credit Union member you can always count on us to offer competitive rates.

See Personal Loan Rates & Fees

Personal Loan Rates & Fees

Auto Loans

New car or used, we’ll get you on the road.

Home Equity Loan & HELOC

Put your home’s equity to work for you.

Education

Education is an investment in your personal and financial future. Our Personal Loan could help you achieve your dreams.

Personal Loan:

  • Competitive rates
  • Flexible terms
  • NO application fees

Home Improvement

Looking to make minor repairs, but don't have enough equity or cash on hand? Our Personal Loan might be the answer you've been looking for.

Personal Loan:

  • Competitive rates
  • Flexible terms
  • NO application fees

Personal

This can be used for education, tax, bill consolidation, IRA contributions or home improvement.

Benefits:

  • Competitive rates
  • Flexible terms
  • NO application fees

Personal Lines of Credit

Need ready access to cash for emergencies? Consider establishing a revolving line of credit with HNGCU. You get the benefits of an “any day” loan without the delays of credit approval.

Benefits:

  • Competitive rates
  • Flexible terms
  • Interest accrued only on amount used

Shared Secured

Got money in a savings or certificate, but want to keep the funds in the account? You can borrow against the balance at drastically reduced rates.

Overdraft Protection

Avoid the embarrassment of a bounced check and extra fees. Consider a Personal Line of Credit.

KEY TERMS

Amortization – Equal monthly payments of principal and interest over the life of the loan.
Annual Percentage Rate (APR) – Annual loan cost that includes other loan fees.
Closing Costs – Fees paid by the mortgage borrower, which can include loan fees, discount points, title insurance, appraisal fees, credit report, recording fees, etc.
Escrow – A third party that ensures that the buyer and seller meet their contractual commitments.
Loan Origination Fee – A one-time fee imposed by the lender to cover administrative costs.
Loan-To-Value (LTV) – Percentage of the loan amount divided by the market price.
Mortgage – A claim against the property given by the borrower to the lender as security for a loan.
Private Mortgage Insurance (PMI) – Insurance paid by the borrower when LTV is above 80%.
Points – A percentage of the loan paid by the borrower to reduce the rate.
Principal – The remaining balance or amount borrowed on a loan.
Title Insurance– A policy that covers losses arising from a legal defect in the title.
Title Search – The process that checks whether a property has liens and other claims.

ADDITIONAL SERVICES

Realty Services
As a member, you can receive personal service from a licensed realtor when buying or selling your home by using Aloha Pacific Premier Realty LLC. Call 808-531-HOME (4663) or click here for more information: Learn More

Mortgage Servicing 
CUSO of Hawaii Services LLC is a credit union service organization created to help service the residential loans originated by various credit unions in the state of Hawaii. Learn More

Notary Service 
Notary service is available at Aloha Pacific FCU branches for a nominal fee. Contact us for more details.

APPLY FOR A LOAN

At HNGCU, we strive to provide you with quick, safe and convenient services. You can begin the application process by clicking on the link below.
We’ll get back to you as soon as possible.

Apply Now 

Become a Member Today!

To apply for membership, please complete the application form available online and bring it to any HNGCU or APFCU branch on Oahu and in Las Vegas.

Join Today

Membership ($5 in Savings) required for service. Other requirements may apply. Account closing may result in forfeiture of dividends earned for the current month. Other conditions may apply. See branch for details.