Auto Loans

For current model year or newer autos and trucks, the amount financed will be 95% - 135% of the Manufacturer's Suggested Retail Price (MSRP), as determined by the applicant's credit scoring Tier assignment under our Credit Scoring/Multi-Tiered Loan Rate Policies.  Terms are available up to Eight (8) years.  Terms of Seven (7) and Eight (8) years require a minimum amount financed of $25,000.00.  Vehicle Service Contracts and Guaranteed Auto Protection (GAP) Insurance are also available for purchase and financing.  Other restrictions apply. View Rates

For autos and trucks, listed in the most recent Kelly Blue Book, financing of up to 95% - 135% of the vehicle's retail value is offered for loan terms of up to six (6) years. Vehicle Service Contracts and Guaranteed Auto Protection (GAP) Insurance are also available for purchase and financing.  Used Auto Loan Financing will only be available for vehicles registered in the State of Hawaii.  Other restrictions apply.  View Rates

Motorcycle Loans

This is a three (3) year balloon payment loan that is fully secured by available shares on deposit with PHFCU.  Up to ten (10) year amortization may be used.  Two (2) different programs are offered. 

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This is a loan where half of the loan is secured by available shares on deposit with PHFCU.  Maximum loan amount: $10,000;  Loan terms range between one (1) and three (3) years.  Other restrictions apply.  View Rates

Up to 90% of the available savings certificate shares may be borrowed.  Flexible repayment terms are available.  Loan maturity must coincide with the certificate's maturity.  View Rates

This loan is made on the strength of the Member's creditworthiness.
Minimum loan amount: $200; Maximum loan amount: $40,000;  Loan terms range between one (1) and five (5) years.  Other restrictions apply.  View Rates

This loan is made on the strength of the Member's creditworthiness.
Minimum loan amount: $200; Maximum loan amount: $15,000
Loan term: Up to three (3) years.  Other restrictions apply.

Fall loan special available for applications received between August 1, 2008 to October 31, 2008

This is a loan where half of the loan is secured by available shares on deposit with PHFCU.  Maximum loan amount: $10,000;  Loan terms range between one (1) and three (3) years.  Other restrictions apply.  View Rates

This line of credit is linked to a PHFCU checking account, providing overdraft protection by advancing funds in increments of $100.00.  Credit limits range from $300 up to a maximum of $5,000.  Other restrictions apply.  View Rates

This variable rate line of credit provides home owners with the opportunity to use the equity in their primary residence to obtain a credit limit of up to $300,000, subject to the loan to value ratio not exceeding 70% or 80%, depending upon the program chosen.   The convenience of check writing access is available.  A choice of either an annual or semi-annual adjustable rate program is offered.  Other restrictions apply.  Applications may not be submitted through the Internet. View Rates

1) Fully amortized seven (7) year Fixed Rate Loan
2) Three (3) Year Balloon Payment, amortized over fifteen (15) years
3) Five (5) Year Balloon Payment, amortized over fifteen (15) years
4) Fully amortized twelve (12) year Fixed Rate Loan
5) Fully amortized fifteen (15) year Fixed Rate Loan*

*Due to federal regulations only loans secured by the Borrower's primary residence may have a loan term greater than twelve (12) years.

Maximum Loan Amount for Standard Equity Loans:  Up to $400,000, provided that the loan to value ratio does not exceed 80% for primary residence secured loans and 70% for investment property secured loans.  Other restrictions apply. 

Maximum Loan Amount for Equity Plus Loans:  Up to $50,000, provided that the loan to value ratio does not exceed 100% for primary residence secured loans and 80% for investment secured loans.  Other restrictions apply.  View Rates

Existing PHFCU Closed End Home Equity Loan

For those borrowers who refinance their existing PHFCU Closed End Home Equity Loan without borrowing any additional monies six (6) months prior to loan maturity, a fee equal to the greater of either $500 or 1/2 of 1% of the outstanding loan balance(s) held against the property will be assessed.  For these requests, the APR will be higher than shown in our rate tables.

• Click here to apply online
• call any one of our four offices and speaking with a loan officer during regular business hours
• download an application here* and mail it to 94-449 Ukee St., Waipahu, HI  96797
• download an application here* and fax it to (808) 218-6299
• In person

There are four different plans available.  The highest quality plan is the Elite Plus Plan.   This option has a bumper to bumper coverage and covers up to 7 years or 85,000 miles for new cars.