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Overview
Why get a Personal Line of Credit from HFS?
With a Personal Line of Credit, you can borrow the money you need as you need it. You only pay interest on the money you borrow and you may borrow up to the amount you've been approved for. In this sense, a Personal Line of Credit acts like a credit card except it disburses to your account instead of being charged on a card.
- Competitive Interest Rates
- Borrow up to $10,000
- Convenience of having the funds available when needed
1The stated rate is the lowest rate available. Your APR will be based on your credit worthiness and may be higher. Rates are subject to change without notice. Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the Island of Hawaii. A non-refundable $1.00 fee is required to establish membership. A minimum opening balance of $50.00 is required to open a savings account.
Insurance products are not products of the Credit Union; and are not obligations of or guaranteed by the Credit Union. Credit Disability Insurance is offered through CUNA Mutual Group.
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Reviews
Personal Line of Credit Reviews
My Review
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Rates & Fees
Rates Effective as of: 09-25-2023
Personal Line of Credit
Annual Percentage Rate Personal Line of Credit 10.000% to 17.750% Effective Date: May 1, 2017
1The stated rate is the lowest rate available. Your APR will be based on your credit worthiness and may be higher. Rates are subject to change without notice. Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the Island of Hawaii. A non-refundable $1.00 fee is required to establish membership. A minimum opening balance of $50.00 is required to open a savings account.
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Calculator
Calculator
Calculate your monthly payments.
Personal Line of Credit Calculator
The Calculator Tools are not guarantees of credit. Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
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FAQ
Frequently Asked Questions
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What are the rates?
To view our current rates for Personal Lines of Credit, please click here.
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How do I apply?
To apply for a Personal Line of Credit, you may simply fill out our online application by clicking here.
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What's the difference between a line of credit and a credit card?
A Personal Line of Credit is essentially just like a credit card. You’re approved for a certain amount (like a credit limit) and are able to use the funds whenever you need to.
The main difference is how the money is accessed. With a line of credit, the money can be transferred into your savings or checking account (upon request) and the credit card uses a card to access the funds for your point of sale transactions.
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What is the maximum amount that can be borrowed?
The maximum credit line for a Personal Line of Credit is $10,000.
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What are the rates?
Best Rate: 10.00% APR1
-Lori
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