The Hawaii Central Federal Credit Union All Credit Levels is a cdfi lender from Hawaii Central Federal Credit Union. The annual fee is No Annual Fee. The ongoing APR is 7.75% APR*. Rewards: Earn 1% cash back! Cash back earned will automatically be credited to your statement, monthly. For the first six months after opening, receive an additional 4% Cash Back based on the first $7,500 in monthly eligible net purchases.. Loan terms: 15-year draw period. This product reports activity to your personal credit report. Hawaii Central Federal Credit Union is a Native CDFI located in Honolulu, HI, dedicated to providing financial services to its members. It serves individuals and families in Hawaii, focusing on promoting financial stability and growth within the community. Services include: personal loans, auto loans, home equity lines of credit. US Treasury certified CDFI Credit Union in Honolulu, HI. Native CDFI.. Membership required.