Privacy Policy & Disclosures

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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 Credit Disability & Credit Life Insurance

Credit Disability and Credit Life Insurance help with loan payments when your family needs relief the most.  Planning for the unexpected may seem impossible, but it isn't.  Learn more about protecting your loan today.

MEMBER'S CHOICE® Credit Insurance is underwritten by CMFG Life Insurance Company

Click here for more information on Credit Disability & Credit Life Insurance.

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 Personal Loans

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

Click here to see our current loan rates!

Apply for a Personal Loan Now!

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 Student Loans

Now you can pay for college the smart way with great repayment options!

The Big Island Federal Credit Union Smart Option Student Loan® by Sallie Mae® is an ideal solution to help bridge that gap between federal loans and the cost of you education expenses.

To learn more or to apply, click here

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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

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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Please call 808-935-6665 for more information!

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 Home Equity Loan Draft

A Home Equity Loan allows you to borrow from the equity you have established in your home. It's an easy, affordable way to borrow the money you need for just about anything. This service provides members with the flexibility of making purchases by simply writing a loan draft (check) against their available limit. You can access your line of credit any time and for anything you want. Simply write your loan draft, repay it and use it again. It's that simple.

Take advantage of the many benefits a Home Equity loan can offer you.

  • First and Second Mortgages available
  • Borrow up to 80% or 95% of the equity of your home.
  • Low interest rate
  • No Points
  • Low Fees
  • No Prepayment Penalties
  • Tax Deductible Interest (consult your tax advisor regarding deductibility of interest)

Your home isn't just a residence - it's an investment. And when you need money, you can cash in on that investment with a Home Equity Loan from Big Island FCU.

Click here to pre-qualify for a Home Equity!

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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!

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