HFS Credit Union
Verified rate book
Current HFS Credit Union rates
23 published offers verified as of August 4, 2026.
Mortgage rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 1st Mortgageother | 6.000% APR | 6.000% | — | Standard |
Auto & vehicle rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Used Auto Loanauto_used | 6.000% APR | 6.000% | used | Standard |
| New Auto Loanauto_new | 6.000% APR | 6.000% | new | Standard |
HELOC rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (up to 80% LTV)heloc_variable | 7.250% APR | 7.250% | — | Standard |
| HELOC (up to 100% LTV)heloc_variable | 8.250% APR | 8.250% | — | Standard |
Personal loan rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Unsecured Personal Loanpersonal_unsecured | 5.750% APR | 5.750% | — | Standard |
| Unsecured Personal Loanpersonal_unsecured | 6.000% APR | 6.000% | — | Standard |
Credit card rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Platinum Credit Cardcredit_card_platinum | 12.250% APR | 12.250% | — | Standard |
| Annual Percentage Rate (APR) for Purchases and Cash Advancescredit_card | 12.250% APR | 12.250% | — | Standard |
Savings & CD rates
14 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Regular Shares Accountsavings | 0.15% APY | 0.15% | — | Standard |
| Are you already a member of HFSFCU? (Term 12 Months)cd_12mo | 3.30% APY | 3.25% | 12 mo | Standard |
| Are you already a member of HFSFCU? (Term 18 Months)cd_18mo | 3.30% APY | 3.25% | 18 mo | Standard |
| 12-Month Certificateshare_certificate_12mo | 3.30% APY | 3.25% | 12 mo | Standard |
| Are you already a member of HFSFCU? (Term 6 Months)cd_6mo | 3.56% APY | 3.50% | 6 mo | Standard |
| 6-Month Certificateshare_certificate_6mo | 3.56% APY | 3.50% | 6 mo | Standard |
| Individual Retirement Accounts (IRAs)ira | 3.96% APY | 3.96% | — | Standard |
| 24-Month Certificateshare_certificate_24mo | 4.07% APY | 4.00% | 24 mo | Standard |
| Are you already a member of HFSFCU? (Term 24 Months)cd_24mo | 4.07% APY | 4.00% | 24 mo | Standard |
| 36-Month Certificateshare_certificate_36mo | 4.33% APY | 4.25% | 36 mo | Standard |
| Are you already a member of HFSFCU? (Term 48 Months)cd_48mo | 4.33% APY | 4.25% | 48 mo | Standard |
| Are you already a member of HFSFCU? (Term 36 Months)cd_36mo | 4.33% APY | 4.25% | 36 mo | Standard |
| Certificateshare_certificate | 4.33% APY | 4.33% | — | Standard |
| Are you already a member of HFSFCU? (Term 60 Months)cd_60mo | 4.33% APY | 4.25% | 60 mo | Standard |
As of August 4, 2026, HFS Credit Union offers mortgage rates from 6% APR. Auto loans available from 6% APR. HELOC rates from 7.25% APR. Personal loan rates from 5.75% APR. Credit card rates from 12.25% APR. Savings and certificate yields up to 4.33% APY.
Source: RateAPI.dev, verified from HFS Credit Union's official website
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About HFS Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 56K
- Assets
- $1.1B
- Founded
- 1937
- Locations reported
- 6
- NCUA charter
- 1829
- Charter type
- Federal credit union
Services and member support
- Online membership application
- Online loan application
- Open an account online
- Electronic statements
- Mobile check deposit
- Mobile payments
- Financial counseling
- Financial education
- Student scholarships
Source: NCUA quarterly call report. Services are institution-reported; confirm availability with the credit union.
Other credit unions with branches nearby
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Who Can Join HFS Credit Union
Membership eligibility from HFS Credit Union's own published criteria. How we verify this.
Membership criteria are published on HFS Credit Union's website. Check the membership page below to confirm whether you qualify.
Verified from HFS Credit Union's membership page. Final membership determination is always made by the credit union.
Work at HFS Credit Union?
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Frequently Asked Questions
What rates does HFS Credit Union offer?
HFS Credit Union currently offers mortgage, Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified August 4, 2026 directly from the credit union's official website.
How often are HFS Credit Union rates updated?
RateAPI verifies HFS Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 4, 2026.
Where does RateAPI get HFS Credit Union's rate data?
Rate data is collected directly from HFS Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized.
What is HFS Credit Union's mortgage rate?
As of August 4, 2026, HFS Credit Union offers mortgage rates from 6% APR.
What are HFS Credit Union's auto loan rates?
As of August 4, 2026, HFS Credit Union offers auto loans from 6% APR.
What is HFS Credit Union's HELOC rate?
As of August 4, 2026, HFS Credit Union offers home equity lines of credit from 7.25% APR.
What is HFS Credit Union's personal loan rate?
As of August 4, 2026, HFS Credit Union offers personal loans from 5.75% APR.
What is HFS Credit Union's best CD rate?
As of August 4, 2026, HFS Credit Union offers savings and certificate (CD) yields up to 4.33% APY.
Related Rate Data
Compare HFS Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
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# Get rates for HFS Credit Union
curl "https://api.rateapi.dev/credit-unions/hawaii/hfs" \
-H "Authorization: Bearer YOUR_API_KEY"