PAL’s (Payday Alternative Loans) – NEW loan product!



Introducing HECOEFCU’s newest loan product –
PAL’s (Payday Alternative Loans) 
Promotion effective from November 1, 2017 thru January 31, 2018


Don’t be lured in by the high interest rates of traditional payday loans. Meet your new Credit Union PAL today and get your funds with ease and convenience.  Contact us at 808-543-7581 or for more information.

  • Break free of your dependency on high-cost payday loans
  • Borrow as little as $200 or up to $1000
  • Take up to 6 months to repay your loan through monthly installments
  • Low 15% APR (Annual Percentage Rate) which is much lower than the extremely high interest rates that traditional Payday Loans offer
  • $20 application fee required upon submittal
  • Subject to credit approval (minimum credit score of 500)
  • Automatic payroll deduction setup available


Sample Loan Amortization Schedule for PAL’s

Loan Amount

3 Months


6 Months

























FREE LUNCH & LEARN SEMINARS ARE BACK. Learn more on Social Security - March 6th at INPAC, 11am or March 15th at the Credit Union, 11am. Call or email us to reserve your seat!