Waialua Federal Credit Union

Our new car loans are for new vehicles that have not been previously titled. Upon qualification, the price of the car determines the maximum term. If the amount of the purchase order from the dealer is $25,000 or less, the maximum term that we offer is 72 months. If the dealer invoice is greater than $25,000, then the maximum term that we offer is 84 months.

Our Home Equity Line of Credit, or HELOC, allows you draw as you need over a 5-year period up to an approved amount based on qualification. Use the equity in your home to finance home improvements, your children's college expenses, or any other purchase that may arise. Important things to know before you apply is that our maximum loan amount is $250,000 with a repayment of $9 per month per $1,000 borrowed.

Our personal line of credit is an unsecured line of credit that is good for two years from the date of approval. Once approved, you can make advances up to your approved limit, however, the amount actually approved can vary based upon what you qualify for. The loan payment amount is $25 per $1,000 borrowed.

Share Secured loans are loans secured by the shares in your account, which will be "frozen" up to the balance of your loan. As your loan is paid down, the amount secured in your share account is reduced to match the balance on your loan. This type of loan is an excellent way to establish your credit history or obtain a loan if you have bad credit.

You are eligible to join if you live, work, attend school, or worship in the zip codes of 96791 and 96712. This area stretches from Ka'ena Point to Crawford's Home. We offer an attractive dividend rate on your savings without being locked in to a predetermined amount of time. We accept ACH (automatic clearing house) deposits and payroll deposits for your convenience.