The Hawaii Federal Credit Union is a personal loan from Hawaii Federal Credit Union. Application typically pulls a hard report from Experian. The ongoing APR is Personal Loans – up to 36 months: As low as 7.49% APR; Personal Loans – up to 60 months: As low as 7.74% APR. Typical credit limit: Borrow up to $25,000. Loan terms: flexible terms up to 60 months.