Loan Rates | HI Auto, Mortgage & Personal Rates

Borrow local, from people who care about where you're headed

The right loan at the right time can be a lifeline — for a car that gets you to work, a home for your family, or breathing room when life happens. As a not-for-profit credit union, we don't answer to shareholders, so the savings show up where they should: in lower interest rates for you. Whether it's a small personal loan or a major home or auto loan, you're working with people who live in Maui County too, and who want to see you get where you're going.

Maui County Federal Credit Union customers earn better rates on savings accounts, loans and more. Contact us or visit a branch in Hawaii to learn more.

Personal and Consolidation Loans

For more information, please contact a Maui County FCU loan representative at any branch, call (808) 856-3110 or email [email protected].

Term	Interest Rate (APR*)
1 Year	as low as 7.75%
2 Year	as low as 8.75%
3 Year	as low as 8.75%
4 Year	as low as 9.75%
5 Year	as low as 9.75%

*Annual Percentage Rate (APR) shown is for the lowest available rate for a 12 month term. Your APR may be higher and will depend on credit worthiness, product and term selected, and other factors. All loans require membership in the credit union, Hawaii residency, and underwriting approval. Valid as of 12/1/23. Rates, terms, and conditions are subject to change without notice. Refinancing of an existing Maui County Federal Credit Union loan is not eligible for this rate. Other restrictions and conditions apply. Inquire within for details. Payment example: Loan amount of $5,000.00 at 7.75% for 12 months would have a monthly principal and interest payment of $434.00.

Auto Loans

For more information, please contact a Maui County FCU loan representative at any branch, call (808) 856-3110 or email [email protected].

Type	Term	Interest Rate (APR*)
New Auto up to 4 years old	up to 7 years	as low as 4.50%
Used Auto 5 years to 10 years old	up to 5 years	as low as 5.25%

* Annual Percentage Rate (APR ) shown is for the lowest available rate for a 5 year term for new autos and a 3 year term for used autos. Your APR depends on credit worthiness, product and term selected, and other factors. All loans require membership in the credit union, Hawaii residency, and underwriting approval. Valid from 1/1/26. Rates, terms, and conditions are subject to change without notice. Refinancing of an existing Maui County FCU loan is not eligible for this rate. Other restrictions and conditions apply. Payment example: New Auto Loan amount of $45,000.00 at 4.50% for 60 months would have a monthly principal and interest payment of $839.00. Used Auto Loan amount of $35,000.00 at 5.25% for 36 months would have a monthly principal and interest payment of $1,053.00.

Credit Cards

For more information, please contact a Maui County FCU loan representative at any branch, call (808) 856-3110 or email [email protected].

Type	Term	Interest Rate (APR*)
Visa® Platinum, Platinum Cash Rewards and Secured	Revolving	7.0% to 17.5%

No annual fee. Click here for our current credit card disclosures.

*Annual Percentage Rate (APR) is based on your credit worthiness. Rates are subject to change at any time without prior notice. We will not change an APR greater than the maximum that we are permitted to change by law (currently 18.0% as of 12/1/2020).

Mortgage

For more information, please contact a Maui County FCU loan representative at any branch, email [email protected].

Term	Interest Rate (APR*)
10 Year Fixed	As rates can change daily, please email rate inquires to [email protected].
15 Year Fixed	As rates can change daily, please email rate inquires to [email protected].
30 Year Fixed	As rates can change daily, please email rate inquires to [email protected].
5/1/30 Adjustable	As rates can change daily, please email rate inquires to [email protected].

HELOC

Home Equity Line of Credit (HELOC) variable rates as low as 5.25% APR* fixed for the first three (3) years.

Get the most out of your home's value and use the equity in your home for renovations, big purchases, or even consolidating debt.

Available for 1st and 2nd home mortgages.
Apply for a credit limit of $20,000 to $500,000 up to 80% of the value of your home less any existing mortgage balances.
Initial Rate fixed for the first 2 years, then adjusts semi-annually based on the six month Treasury Bill rate.
Most closing costs may be waived, estimated at between $500 to $2,200 if borrower does a minimum $5,000 disbursement within the first 6 months of account opening and does not close the credit line within 12 months of opening.
Minimum draws are $500 per draw.
HELOC has a 10-year draw period with a 20-year amortized repayment (principal and interest) period with a minimum $100 monthly payment.
Borrower must carry fire, hurricane, and flood (if applicable) insurance on the property that is secured as collateral at the borrowers’ expense.
Not available for condotels, leasehold properties, modular or manufactured homes.

For more information, please contact a Maui County FCU loan representative at any branch or email [email protected].

Find more HELOC information

* 3-year Intro Rate as low as 5.25% Annual Percentage Rate (APR). Current Variable Rate as low as 6.50% APR. The introductory rate is valid for applications received until such times that rates change with or without notice. After the 36 month introductory period, your rate will vary and the applicable Current Variable Rate will apply.

The Current Variable Rate is based on the Six Month Treasury Bill Rate plus a margin. Your margin will depend on your property and creditworthiness. The Current Variable Rate shown is current as of 4/1/26 and will not exceed 18% APR. The minimum Current Variable Rate is 3.00% for 80% LTV Fee-Simple Owner-Occupied Property located in Hawaii with all Borrower’s having FICO scores of at least 680. Membership in our credit union is required. You must maintain adequate fire, hurricane, and flood (if in a flood hazard zone) insurance on the property secured. Prior to loan approval, rates, terms, and conditions are subject to change without notice. Payments to third parties of certain fees, which generally total between $500 to $2,200 may be required at closing. Other terms and conditions and restrictions apply. NMLS# 423023

Photovoltaic Loans

For more information, please contact a Maui County FCU loan representative at any branch, call (808) 856-3110 or email [email protected].

Apply for a PV Loan

Term	Interest Rate (APR*)
Up to 5 Years	as low as 5.50%
5 - 10 Years	as low as 7.50%

* Annual Percentage Rate (APR) depends on credit worthiness, product and term selected, and other factors. Valid as of 9/1/23. The PV Loan program is available only for PV systems installed by participating contractors. The maximum loan amount is $75,000 and is subject to approval. A contractor’s participation in the Maui County FCU PV loan program does not imply endorsement of the contractor by Maui County FCU. The PV Loan program is subject to change and may end at any time. Membership in Maui County FCU is required. No prepayment penalty. Rates are subject to change at any time without prior notice. Must be a Hawaii resident. Other loan qualifications apply. A loan of $30,000 with a 5.50% interest rate will have: 60 payments of $573. A loan of $30,000 with a 7.50% interest rate will have: 36 payments of $933.