Loan Rates

Life is already pretty expensive. We help keep your costs under control by making our loans as affordable as possible.

Our rates are designed with your needs in mind.

Maui County FCU offers financing for homes and autos, as well as home equity options and personal loans. Our goal is to keep rates as low as possible so that our members save money on interest charges.

Personal and Consolidation Loans
Term Interest Rate (APR*)
1 Year 1.75%
2 Year 2.75%
3 Year 3.75%
4 Year 4.75%
5 Year 5.75%

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

*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 from 10/1/21 to 12/31/21. 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 $1,000.00 at 1.75% for 12 months would have a monthly principal and interest payment of $84.13.

Auto Loans
Type Term Interest Rate (APR*)
New Auto to up to 4 years old up to 6 years 2.90%
Used Auto 5 years to 10 years old up to 5 years 3.00%

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

*Annual Percentage Rate (APR) shown is for the lowest available rate for up to a 60 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 from 7/1/21 to 12/31/21. 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 $10,000.00 at 2.9% for 60 months would have a monthly principal and interest payment of $180.00.

Credit Card
Type Term Interest Rate (APR*)
Visa® Platinum Revolving 10.25 - 15.25%


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

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
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]

For more information, please contact a Maui County FCU loan representative at any branch, call (808) 244-7968 or email [email protected].

HELOC

Rates as low as 3.00% APR*

A home equity line of credit is secured by a first or second mortgage lien on your home, which must be one-to-four family fee simple residential real estate. The HELOC has a 10-year draw period with a 20-year amortized repayment (principal and interest) period. Minimum monthly payment is $100. You must carry fire, hurricane & flood (if applicable) insurance on the property that is secured as collateral at the homeowners’ expense. Minimum line of credit amount is $20,000, and the minimum for each disbursement is $500. The maximum line of credit amount for primary residences without an existing mortgage is the lesser of $500,000 or 80% LTV. The maximum loan amount for primary residences with an existing mortgage is 80% LTV minus the balance of the existing mortgage up to $250,000. The credit union waives closing costs, estimated between $500 to $1,200 if member conducts a $5,000 disbursement within the first 6 months of account opening and does not close the credit line within 12 months of opening.

For more information, please contact a Maui County FCU loan representative at any branch, call (808) 244-7968 or email [email protected].

* The Current Variable Index Rate is based on the Six Month Treasury bill Rate plus a margin and mid-FICO’s of at least 680. Your margin will depend on creditworthiness. The Current Variable Index Rate shown is current as of 3/1/2021 and will not exceed 18% APR. The minimum Current Variable Index Rate is 3.00% for 80% LTV Fee-Simple Owner-Occupied Property located in Hawaii.

Photovoltaic Loans
Term Interest Rate (APR*)
Up to 5 Years 3.50%
5 - 10 Years 4.99%

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

* Annual Percentage Rate (APR) depends on credit worthiness, product and term selected, and other factors. 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 3.50% interest rate will have: 60 payments of $545.75. A loan of $30,000 with a 4.99% interest rate will have: 120 payments of $318.05.

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