Loan Solutions

Maui FCU offers a variety of personal loan solutions, including Credit Cards, new and used auto loans, Home Equity Line of Credit, and more.

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Our Loans Reflect Your Goals

With competitive rates, experienced financial professionals, local decisions, and an easy, convenient process, you are sure to find a loan at Maui FCU that fits your needs. Call or stop by to discuss your needs with one of our loan specialists.

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Choose the Solution that’s Right for You

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Auto Loans

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Personal Loans

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Mortgage Loans

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Home Equity Loans

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Secured Loans

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Green Energy Loans

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Loan Discount

Maui FCU values your membership and we want to partner with you to offer discounts on eligible consumer loans. At this time, we are not offering any loan discounts. Restrictions apply.  Loan discount programs are subject to change without notice.

Stop by our main branch or call our loan specialists at 808-873-5050  to learn more about our loan discount program. 

Your Best Accessory

A Maui FCU Platinum Visa Credit Card

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Loan Calculator

Thinking about making a big purchase or wondering what would happen if you change your payment amounts? Use our calculators to crunch the worry away.


Auto Loans

What drives you? Name it. We’ll get you there.

Have you had your eye on that dream car or truck? You name it, and Maui FCU can help get you there faster with a comprehensive auto loan. Whether you just want to get there on time or arrive in style, an auto loan with Maui FCU is a smart way to help you reach your destination on your terms.


In addition to being a resource you know and trust, we offer numerous features to make the process easy:

Apply Today: New Auto  Apply Today: Used Auto   Loan Rates 

Personal Loans

Life’s full of unexpected opportunities and sometimes expenses. Personal loans are all about you. We can help you plan that special occasion, manage unexpected expenses, get out of town on that once-in-a-lifetime vacation or consolidate your higher interest rate debt with a personal loan at a lower interest rate. We offer great rates, flexible terms and convenient repayment options.

Loan Options

Our Personal Loan Options Allow You to Find the Right Fit for Your Unique Needs

EZ Loan

If you have a payday or cash advance loan, you are probably paying extremely high interest rates and fees. When the unexpected happens and you find yourself short on cash between paydays, an EZ Loan can provide you with a better alternative to payday lenders. Not only will you receive the short-term funds you need, you’ll also be building your credit profile.

Vacation Loans

Go ahead and plan that dream vacation you’ve always wanted. Our Vacation Loan makes it quick and easy to get all the cash you need to reach your vacation destination.

Check out our Loan Promotions!

Holiday Loans

Unwrap your low rate. If you find “Santa” needing a little financial help for the holiday season, a Holiday Loan may be a better fit for your finances, and a great alternative to higher rate credit or store cards.

Check out our Loan Promotions!

Credit Builder Loans

Not everyone has a perfect credit history and it is often difficult for members to build credit if they have experienced poor payment history or have no credit history at all. Maui FCU recognizes this challenge and is committed to helping our members who are faced with these situations

Line of Credit/Overdraft Protection

A line of credit/overdraft protection can serve as a handy emergency fund or a way to pay for something that is out of your financial reach. Unlike a typical loan, you make payments only on the credit you’ve actually used.

Dealing with a potentially unpredictable expense? A Line of Credit/Overdraft Protection may be the perfect solution for you. Even though you make payments on the amount of credit you use, knowing that you can borrow the maximum amount may provide you with something priceless: peace of mind.

Apply Today Loan Rates 

Mortgage Loans

Refinancing your mortgage can give you additional flexibility if you want to save money or pay off your mortgage faster. No matter what your reason is, Maui FCU’s loan specialists will work with you to give you the best option to fit your needs.

Contact us today at 808.873.5050 or come by our main branch for rates.

Home Equity Loans

You've worked hard to build equity in your home. Use the equity in your home to pay for college tuition and school expenses, remodel your kitchen or make other home improvements, consolidate debt, fund a vacation and more. Maui FCU has a Home Equity Line of Credit to fit your needs and to help you get more out of your home and your life.

Contact us today at 808.873.5050 or come by our main branch for rates.

Secured Loans

A Share Secured Loan from Maui FCU allows you to borrow against the balance in your savings and receive a lower interest rate. So why borrow against the money you already have that is available to spend? We use Share Secured Loans to help a variety of members with their unique needs.

The Credit Rebuilder

If you have bruised credit or have a hard time getting a loan because of your payment history, a Shared Secured Loan can be the right kind of loan to get you back on your feet. If you’ve been turned down for loans in the past, talk to us about it. We’d like to help you create a personalized plan to rebuild your credit.

The Credit Establisher

Establishing healthy credit is a very important step for young adults to have a successful financial future. Acquiring debt is not always advisable for young adults, but having a healthy credit score is very important for their financial future. When it comes to buying a house, qualifying for lower rates on insurance, or even getting certain jobs, a good credit score will save you a lot of money.

The Savings Protector

Sometimes you want to get a loan for something, even when you have all the money saved up. Some members prefer the discipline of borrowing against their savings to buy a car, go on vacation, or to meet some other need. Our Share Secured Loans have a low interest rate and can offer you a low-cost way to finance your purchase without draining your savings.

With a Share Secured Loan:

  • Funds borrowed can be used for virtually anything
  • Collateral from your share account qualifies you for a lower rate than an unsecured loan
  • Flexible terms to better fit your financial situation
  • Maximum loans are based on deposit

Apply Today Loan Rates 

Green Energy Loans

Save Energy, Save Money, and Save the Environment

Reducing energy consumption at home decreases the cost of the electric bill each month, but it also reduces air and water pollution, as well as greenhouse gas emissions. We can help you finance your green energy projects so you can get started sooner! Save on utility bills and do your part to be kind to Maui and our planet.

Green Energy Loans include the following:

  • Electric Powered Vehicles
  • Solar Energy
  • ENERGY STAR Qualified Appliances

Apply Today Loan Rates 

Students Loans in Partnership with Sallie Mae

Student loans for all types of students. Get the money you need for school.

Student loans from Maui Federal Credit Union in partnership with Sallie Mae® could help!

Whether you’re an undergraduate, career training or graduate student these flexible student loans are designed to meet your needs:

  • Competitive variable and fixed interest rates
  • No origination fee or prepayment penalty2
  • Multiple repayment options
Learn Which Loan is Right for You

Undergraduate and Career Training Students

Smart Option Student Loan®

Pay for your bachelor’s, associate’s, or certificate expenses at a degree-granting school or for a professional training and trade certificate courses (culinary, technical, etc.) at a non-degree granting school.


Graduate School Loan
Pay for expenses as you pursue your master’s and doctoral degrees

MBA Loan

Pay for your business school expenses as you pursue your Masters of Business Administration degree

Medical School Loan

Pay for your medical degree expenses in allopathic, general, osteopathic, podiatric, radiology, sports, and veterinary medicine

Dental School Loan

Pay for your dental degree expenses in general dentistry, endodontics, oral and maxillofacial surgery, orthodontics, pediatric dentistry, periodontics, and prosthodontics

Graduate School Loan for Health Professions

Pay for your health professions degree expenses in allied health, nursing, pharmacy, and other graduate-level health programs

Borrow responsibly
We encourage students and families to start with savings, grants, scholarships, and federal student loans to pay for college. Students and families should evaluate all anticipated monthly loan payments, and how much the student expects to earn in the future, before considering a private student loan.

These loans are made by Sallie Mae Bank or a lender partner. Maui Federal Credit Union is not the creditor for these loans and is compensated by Sallie Mae for the referral of loan customers. Applications are subject to a requested minimum loan amount of $1,000. Current credit and other eligibility criteria apply. Click here for additional eligibility information about each product.2 

Although we do not charge a penalty or fee if you prepay your loan, any prepayment will be applied as outlined in your promissory note—first to Unpaid Fees and costs, then to Unpaid Interest, and then to Current Principal. SALLIE MAE RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS, SERVICES, AND BENEFITS AT ANY TIME WITHOUT NOTICE.

© 2022 Sallie Mae Bank. All rights reserved. Sallie Mae, the Sallie Mae logo, and other Sallie Mae names and logos are service marks or registered service marks of Sallie Mae Bank. All other names and logos used are the trademarks or service marks of their respective owners. SLM Corporation and its subsidiaries, including Sallie Mae Bank, are not sponsored by or agencies of the United States of America.

1 All loans are subject to credit approval. Certain terms and conditions may apply. Rates may vary depending on credit history and underwriting factors. All loan programs, rates, terms and conditions are subject to change at any time without notice. For more information, please contact a loan specialist at 808-873-5050.

Important Information to Applicant(s). To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who applies for a loan or opens an account. What this means for you? When you apply for a loan or open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents. In some instances, we may use outside sources to confirm the information. The information you provide is protected by our privacy policy and federal law.

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Loan Protection

The unexpected comes without warning and can sidetrack your life and your pocketbook. Protect yourself and your family from future financial hardship.

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The Credit Union Difference

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Personal Attention

We believe great service and personal attention is vital when looking for a life-long financial partner.

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Excellent Benefits

Once a member, always a member. As a member, there are no annual fees and we offer exclusive benefits.

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Great Rates

Since we are a not-for-profit institution, we give back to our members with lower loan rates and higher dividends.

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Local Commitment

We are proud to be a local Maui business and are dedicated to give back to our community.

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