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

Introducing HECOEFCU’s newest loan product –
PAL’s (Payday Alternative Loans) 
Promotion effective through June 30, 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 Weekly 6 Months Weekly
$200 $68.34 $17.09 $34.81 $8.70
$500 $170.85 $42.71 $87.02 $21.76
$1000 $341.70 $85.43 $174.03 $43.51


Members may receive calls from our Fraud Department regarding possible fraudulent activity occurring with your debit card. The Fraud Department is hosted by a third party company. Please know that this is taken as a precautionary step to protect your security and account here at HECOEFCU. It does not mean any fraudulent activity has necessarily taken place. Please feel free to contact us at 543-7581 if you have any questions or concerns. Mahalo!