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Home > Loans & Mortgages > Secured Loans

Secured Loans


With a Secured Loan from HFS FCU you can now borrow money against your own savings, or share certificates. At rates only 2% above the current savings or certificate rates you can enjoy a loan that costs you less. Not only will you pay less interest but secured loans are a great way to build or rebuild your credit. HFS FCU offers members two types of secured loans.

Share Secured Loan

  • Variable rates (2% above current savings rate)
  • Terms up to 120 months
  • Funds equal to the amount of the loan are held in the account
  • As you pay down the loan, the funds are released and are available to you.

           Apply for a HFS FCU Loan

Certificate Secured Loan

  • Fixed rates (2% above current certificate rate)
  • Term of loan equal to selected certificate term (6 months – 60 months)
  • Interest only loan
  • When the certificate matures funds can be used to pay off the loan

            Apply for a HFS FCU Loan

For more information on a Share Secured or Certificate Secured Loan from HFS FCU please contact the credit union at (808) 930-1400.

© 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.