At Big Island FCU we are committed to providing you with an extensive range of loan programs designed to fit the needs of the people of the Big Island. If you don't see a loan program that fits your needs, please contact us to see how we can help you further.

Auto Loans

New Autos:

• Terms up to 84 months
• Financing up to 100% of the vehicle purchase price including title and fees
• Easy pre-approval programs available
• Guaranteed Asset Protection (GAP)

Used Autos:

• Terms up to 72 months
• Financing up to 100% of the Kelly Blue Book Retail Value
• Vehicles up to five years old
• Easy pre-approval programs available
• Guaranteed Asset Protection (GAP)

Helpful Link: Kelley Blue Book

Guaranteed Asset Protection

Most auto insurance settlement payments are based on the actual cash value of the vehicle and not the balance owing on the loan. There maybe times when the loan balance may be greater than the value of the vehicle which would result in a deficiency loan balance that the borrower would still be responsible for. For a low cost, GAP will protect you from having to pay this deficiency - covering the "gap" between the value of the vehicle and the loan balance.

Click here to see our current loan rates!

Apply for an Auto Loan Now!

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Personal Loans

• Qualified members may borrow up to $30,000
• Terms up to 72 months

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Apply for a Personal Loan Now!

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VISA Credit Card

Big Island FCU offers two types of VISA cards: Classic and Gold

• No annual fee
• Up to $25,000 credit limit
• Easy access to cash, day or night at any ATM
• Affordable monthly payments
• 25-day grace period on retail purchases
• 24-hour Travelers Advantage

In addition to the benefits listed above, our Classic VISA has many of the benefits that most other financial institutions offer with their Gold cards such as:

• Toll-Free Travel Reservation Service
• Bonus Travel Dividends
• Auto Rental Discounts
• Credit Card Registration
• Key Registration
• Automatic Renter's Liability
  • Travel Protection
  • Lost Luggage Locator Service
  • Lost or Damage Luggage Insurance
  • Hotel/Motel Theft Insurance
• Medical Assistance
• Concierge Service
• Quarterly Newsletter

Click here to view our current VISA Credit Card Rates
Click here to view our VISA Credit Card Agreement
Apply for a Credit Card Now!

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Overdraft Protection

This loan protects your share draft account from being overdrawn. It allows you to write checks, use your Express Check Card or take money out of your Share Draft Account up to your approved limit. Credit limits are available from $500 to $10,000. With low monthly repayment terms, you only pay when you use it.

Apply for an Overdraft Protection Loan Now!

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Share Secured Loans

• Members may borrow up to 100% of the balance in their Share Account or Term Share Certificate Account.
• Low interest rates
• Flexible terms are available up to ten years
• Funds in your Share Account and Term Share Certificate Account continue to earn dividends
• Approval is fast and easy.
• Funds pledged are restricted until the loan is repaid

Apply for a Shared Secure Loan Now!