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Home > Loans & Mortgages


Loans & Mortgages

HFS Federal Credit Union offers our members a wide variety of loan products for all of your borrowing needs. With local servicing and competitive interest rates on all loan products, let us help find the loan that is right for you.

  • Real Estate
    Whether purchasing your first home or looking to finance a second home, we have low-rate real estate mortgages designed to meet your needs. In addition, HFS FCU offers construction, vacant land, and investor mortgages with great features.
     
    • First Mortgage  Looking to buy your first home or interested in refinancing your current mortgage? If so a first mortgage from HFS FCU may be right for you.
       
    • Second Mortgage HFS offers fixed rate second mortgages with terms up to 15 years.
       
    • Vacant Land With a Vacant Land loan from HFS FCU you can now finance that perfect property for your future dream home. 
       
    • Construction Ready to take the next step and start the construction of a home you can call your own. Choose to borrow money only for the construction phase or apply for a Construction to Permanent Loan and enjoy a construction loan that automatically rolls into a 15 or 30 year mortgage of your choosing.
       
    • Investor With an Investor Mortgage from HFS FCU you now have the option to purchase that second home, rental property or vacation home.
       
  • Home Equity Use the equity in your home to tackle remodeling projects, consolidate debt, pay tuition expenses and more. The choice is yours!
     
  • New & Used Auto For qualifying new and used vehicles, receive fixed-rate financing for up to 115% of the MSRP or Kelley Blue Book Retail Value. Loan terms up to 84 months for new vehicles; up to 72 months for used vehicles
     
  • Personal Have a special plan or purchase, but need the cash? A consumer Loan can help you make your plans a reality, with great rates and flexible payments to fit your budget.
     
  • Secured With a Secured Loan from HFS FCU you can now borrow against your own savings. Not only will you pay less interest but Secured Loans can be a great tool for building credit.
     
  • Student With competitive interest rates, a student loan is a great option for covering qualifying education expenses, including tuition, room and board, etc.
     
  • Visa® Enjoy a low rate, worldwide acceptance, EMV Chip Technology and much more with the HFS Rewards Visa® Credit Card. Apply online and get approved today!
     
    • Lost/Stolen Cards
      Contact the Credit Union immediately to report a lost or stolen ATM Share Card, Visa® Debit Card, or Visa® Credit Card.
       
  • Green Loans Receive financing for environmentally-friendly updates, like solar water heating systems.

Apply for a loan today! or call HFS FCU at (808) 930-1400 for more information.

© 2017 HFS Federal Credit Union
National Credit Union AdministrationEqual Housing Lender

Federally insured by NCUA.
We do business in accordance with the Federal Fair Housing Law.