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Products & Services

Deposit Services

  • Regular Share Accounts (savings accounts)
  • Share Draft Accounts (checking accounts)
  • Direct Deposit

Easy Deposits and Withdrawals

You can make deposits:

  • With convenient direct deposit through your payroll department
  • By mail:
    HMSA Employees' Federal Credit Union
    PO Box 860
    Honolulu, HI 96808
  • In person

You can handle withdrawals:

  • Over the phone:
  • By mail:
    HMSA Employees' Federal Credit Union
    PO Box 860
    Honolulu, HI 96808
  • In person
  • ATM access

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Credit Cards

Visa Platinum Credit Cards are now being offered by the HMSA Employees' Federal Credit Union. Please click here to view the Visa Platinum Application and Solicitation Disclosure prior to completing the application.
Call or visit our Credit Union for more details.

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Loans to Fit Your Needs | Online Auto Loan Calculator | Online Home Equity Loan | Online Personal Loan Calculator

There are times when everyone needs a little extra money. When you need more cash than you have on hand, turn to the Credit Union for competitive interest rate loans.

Personal Loans

These loans are based on your approved credit. Up to $20,000 is available for qualified borrower, co-borrower or guarantor.

Home Equity Line of Credit Loans

You may be able to use a portion of your accumulated equity in your home to secure these loans.

Car Loans

Your new or used car is used as collateral for these loans. 100% financing is available for the purchase of new and used cars.

Motorcycle Loans

Finance the purchase of new and used motorcycles (model years 2007 to 2013) . 100% financing is available.

Education Loans

These loans can finance tuition needs for you and your family.

Share-Secured Loans

These loans let you borrow dollar-for-dollar against your Credit Union shares. Because your shares guarantee your loan, you simply need to maintain your account balance equal to the unpaid balance of your loan.

50% Share-Secured Loans

With these loans, you use your shares to secure half of the amount you borrow. The other half is based on your approved credit.

Line of Credit Loans

Like revolving credit cards, these loans provide up to $5,000 in check or cash for any purpose up to your pre-approved limit. Interest is charged only on the money you use.

Line of Credit — Cover Check

Loans to cover checks drawn on your HMSA EFCU checking account. Credit limit is $500.00.

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Loan Application Process and Guidelines

Requesting for a loan is as easy as 1-2-3.

  1. Click Loan Application for our Credit Union’s on-line loan application form or by calling 948-5154 or at our Credit Union office.
  2. Complete and sign the form
  3. Return the completed form to the Credit Union

If you have any questions, please call the Credit Union at 948-5154 or 948-5153. Loan rates are subject to change without notice.

Loan Repayment

  • Convenient HMSA direct deposit
  • By mail:
    HMSA Employees' Federal Credit Union
    PO Box 860
    Honolulu, HI 96808
  • By Teller Talk:
    Call 1-800-854-5011 (Toll Free)
  • By Online Banking:
    Login to Online Banking >
  • In person

There are no prepayment penalties, no late fees, and no hidden charges. Simple daily interest on your declining principal loan balance is all you pay.

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