Personal Loans · Hilo, Hawaii
5 credit unions in Hilo report personal loan rates to the NCUA. Rates range from 5.00% to 12.00%.
Updated Q1 2026 · NCUA Call Report data
5
CUs Reporting Rates
5.00%
Lowest Rate
9.21%
City Average Rate
5 credit unions sorted by APR
| # | Credit Union | Personal Loan APR | Credit Card APR |
|---|---|---|---|
| 1 | HELCO ★ 2.7 · 3 reviews | 5.00% | — |
| 2 | BIG ISLAND ★ 4.3 · 12 reviews | 8.22% | 9.61% |
| 3 | HFS ★ 4.9 · 531 reviews | 8.92% | 12.43% |
| 4 | HAWAII COUNTY EMPLOYEES ★ 4.5 · 8 reviews | 11.90% | 11.90% |
| 5 | CU HAWAII ★ 3.6 · 43 reviews | 12.00% | 9.00% |
If you have high-rate credit card balances, a personal loan from a Hilo credit union can consolidate them into one lower-rate payment and save hundreds in interest.
Many credit unions offer loans secured by your own savings at very low rates — a common tool for building or rebuilding credit history.
See member reviews, branch locations, and full rate details.