INTRODUCING EZ LOANS  an alternative to payday loans. If you have electronic net check deposit1 for over a year please read on.  Bad credit?     No problem  Excessive obligations?     No problem  Don’t want us to pull your credit report?     No problem  Don’t want us to calculate a debt ratio?     No problem  Want to fill out an abbreviated loan application?     No problem  Need a loan amount of $500 - $1,000 maximum?     No problem  Only want a maximum one year loan term?     No problem  Need the loan today?   No problem  Don't have electronic net check deposit1 for at least a year?  Problem  Other conditions and qualifications may apply. Call or see one of our loan specialists today. 1Direct Deposit your entire paycheck, pension or social security benefits to us.

HOT WATER, COOL RATES Solar Heater Loans In partnership with Hawaii Energy, a taxpayer-subsidized program that encourages home energy conservation, Maui FCU is offering for a limited time only 0% APR1 financing. This loan program covers the purchase and installation of a qualified home solar water heating system. 0.0% APR1, fixed rate Terms up to 60 months Minimum loan amount $5,000 to $7,000 to purchase and install a solar water heating system  May Qualify for Tax Credits PLUS monthly energy savings   No Closing Costs or prepayment penalties or fees The unit must be an approved solar water heater contractor of Hawaii Energy. *Consult your tax preparer for tax credit information and guidance. We may require funding directly to the approved contractor. Other terms, restrictions may apply. All loans subject to credit review and standard underwriting rules. Offer may be modified or cancelled at any time. For additional information about Hawaii Energy, as well as a list of participating contractors, visit their website at www.hawaiienergy.com.  Please click on the link below to view the list of participating contractors. http://www.hawaiienergy.com/67/solar-water-heating-contractors#Maui_County Repayment Example:  A $7,500 solar water heater loan at 0% APR1 over a 5 year term would require monthly payments of approximately $116.67. 1Annual Percentage Rate

CREDIT BUILDER LOANS  Not everyone has a perfect credit history and it is often difficult to build or rebuild credit if one has experienced poor payment history or has no history at all.  We have developed 2 loan products specifically for the purpose of helping members who are faced with these situations.  Credit Builder is geared towards those with little or no credit history.  This program is a great way to establish or enhance a credit history and ease into the responsibilities of having a loan.  Credit Builder loans are small, unsecured loans with reasonable interest rates and manageble repayment terms.  Credit Builder Plus is geared towards those who need to re-establish good credit history.  This program provides an opportunity to make a fresh start.  Credit Builder Plus is a combination low-interest loan and savings program that helps establish a good payment history, an important step in building a higher credit score.    Please call or visit our loan department if you would like for us to help you get on the road to good credit.

Disclaimer:  Maui FCU neither endorses nor recommends the products or services listed on these pages.  We are merely providing information which may be of interest to you.