Personal Loans · Hawaii
45 credit unions in Hawaii report personal loan rates to the NCUA. Rates range from 5.00% to 14.75%.
Updated Q1 2026 · NCUA Call Report data
45
CUs Reporting Rates
5.00%
Lowest Rate
9.47%
State Average Rate
21
Cities Covered
45 credit unions with reported rates, sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | HELCO HILO | 5.00% | — |
| 2 | LANAI Lanai City | 6.00% | — |
| 3 | ONOMEA PAPAIKOU | 6.00% | 9.00% |
| 4 | GLOVER Honolulu | 6.00% | — |
| 5 | HAMAKUA Pepeekeo | 6.62% | 12.90% |
| 6 | HAWAIIAN ELECTRIC EMPLOYEES Honolulu | 6.72% | 12.00% |
| 7 | MAUI KAHULUI | 7.50% | 12.65% |
| 8 | HAWAII COMMUNITY Kailua Kona | 7.50% | 15.00% |
| 9 | HAWAIIUSA Honolulu | 7.50% | 9.90% |
| 10 | MAUI TEACHERS Wailuku | 7.67% | — |
| 11 | HAWAII FIRST Kamuela | 7.84% | 10.95% |
| 12 | MCBRYDE Eleele | 7.93% | — |
| 13 | BIG ISLAND HILO | 8.22% | 9.61% |
| 14 | VALLEY ISLE COMMUNITY Kahului | 8.25% | 12.00% |
| 15 | HAWAII SCHOOLS Honolulu | 8.33% | 8.14% |
| 16 | LOCAL UNION 1186 IBEW HONOLULU | 8.45% | — |
| 17 | UNIVERSITY OF HAWAII Honolulu | 8.74% | 9.99% |
| 18 | HFS HILO | 8.92% | 12.43% |
| 19 | WAIALUA Waialua | 9.00% | — |
| 20 | WAILUKU KAHULUI | 9.13% | — |
| 21 | KAUAI OHANA Lihue | 9.16% | — |
| 22 | EWA Ewa Beach | 9.50% | 11.50% |
| 23 | ALOHA PACIFIC Honolulu | 9.50% | 16.24% |
| 24 | HOTEL AND TRAVEL INDUSTRY Honolulu | 9.82% | — |
| 25 | PLUMBERS & FITTERS LOCAL 675 Honolulu | 9.99% | — |
| 26 | HAWAII CENTRAL Honolulu | 10.00% | 12.40% |
| 27 | SCHOFIELD WAHIAWA | 10.03% | — |
| 28 | HAWAII LAW ENFORCEMENT Honolulu | 10.21% | 7.65% |
| 29 | KO`OLAU KAILUA | 10.46% | 12.90% |
| 30 | KAHULUI KAHULUI | 10.50% | 7.99% |
| 31 | KAUAI Lihue | 10.59% | 10.02% |
| 32 | GARDEN ISLAND Lihue | 10.75% | 9.25% |
| 33 | HAWAII Honolulu | 10.99% | 10.56% |
| 34 | PEARL HAWAII WAIPAHU | 11.00% | 13.99% |
| 35 | HONOLULU Honolulu | 11.07% | 9.75% |
| 36 | MOLOKAI COMMUNITY Kaunakakai | 11.24% | — |
| 37 | HAWAII STATE Honolulu | 11.25% | 18.00% |
| 38 | LOKAHI Honolulu | 11.50% | 9.90% |
| 39 | HONOLULU FIRE DEPARTMENT Honolulu | 11.75% | 10.99% |
| 40 | HAWAII COUNTY EMPLOYEES Hilo | 11.90% | 11.90% |
| 41 | HAWAIIAN FINANCIAL Honolulu | 11.90% | 9.90% |
| 42 | KAHUKU Kahuku | 12.00% | — |
| 43 | CU HAWAII Hilo | 12.00% | 9.00% |
| 44 | GATHER Lihue | 13.00% | 9.99% |
| 45 | MAUI COUNTY Wailuku | 14.75% | 10.25% |
Personal loans from credit unions are commonly used for debt consolidation, home improvements, medical bills, or major purchases. Unlike auto loans, they're unsecured — no collateral required — which is why rates are slightly higher than car loans.
Yes. If you have credit card balances at 20–25% APR, replacing them with a credit union personal loan at a lower rate can save hundreds or thousands in interest. The key is to not run up the cards again after paying them off.
These rates come from NCUA Call Report (5300) filings — quarterly financial reports that all federally insured credit unions must submit. They reflect each CU's weighted-average rate on outstanding unsecured personal loans, not a minimum advertised rate.
A $10,000 balance at 24% APR paying $250/month costs ~$2,800 in interest. At 12% APR, the same payment saves over $1,500. Run the numbers before committing.
Many credit unions offer loans secured by your own savings at very low rates — useful for building or rebuilding credit history. Ask specifically if you're in credit-building mode.
See all credit unions by city, filter by rates, and check Google ratings.