--- title: "Big Island Credit Union Rates - Hawaii" description: "Current auto loan, and personal loan rates from Big Island Credit Union in Hawaii. Updated daily with source verification. See who can join Big Island Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/hawaii/big-island" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Big Island Credit Union Rates - Hawaii ### Auto & vehicle rates 10 offers | Product | Published | Rate | Term / condition | Status | | **Up to 36-Month New Auto Loan** auto_new_36mo | — APR | 4.250% | 36 mo · new | Standard | | **48-Month New Auto Loan** auto_new_48mo | — APR | 4.500% | 48 mo · new | Standard | | **Pre-Owned Autos** (Up to 36 Months)** auto_used_36mo | — APR | 4.500% | 36 mo · used | Standard | | **60-Month New Auto Loan** auto_new_60mo | — APR | 5.500% | 60 mo · new | Standard | | **Pre-Owned Autos** (48 Months)** auto_used_48mo | — APR | 5.500% | 48 mo · used | Standard | | **Pre-Owned Autos** (60 Months)** auto_used_60mo | — APR | 6.000% | 60 mo · used | Standard | | **72-Month New Auto Loan** auto_new_72mo | — APR | 6.250% | 72 mo · new | Standard | | **Pre-Owned Autos** (72 Months)** auto_used_72mo | — APR | 6.500% | 72 mo · used | Standard | | **84-Month New Auto Loan** auto_new_84mo | — APR | 7.250% | 84 mo · new | Standard | | **Pre-Owned Autos** (78 Months)** auto_used_78mo | — APR | 7.750% | 78 mo · used | Standard | Big Island Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Up to 36-Month Unsecured Personal Loan** personal_unsecured_36mo | — APR | 6.000% | 36 mo | Standard | | **48-Month Unsecured Personal Loan** personal_unsecured_48mo | — APR | 6.500% | 48 mo | Standard | | **60-Month Unsecured Personal Loan** personal_unsecured_60mo | — APR | 7.500% | 60 mo | Standard | | **Personal Line of Credit** ploc_variable | — APR | 9.500% | — | Standard | | **Overdraft Line of Credit** personal | — APR | 10.000% | — | Standard | Big Island Credit Union personal loan rates as of November 12, 2026 ### Other rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Other APRs** other | — % | 9.500% | — | Standard | | **Annual Percentage Rate (APR) for Purchases** other | — % | 9.500% | — | Standard | Big Island Credit Union other rates as of November 12, 2026 Big Island Credit Union is a credit union in Hawaii. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/hawaii/big-island) , verified from [Big Island Credit Union's official website](https://www.bigislandfcu.com/) Loading branch locator… ## About Big Island Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 9.6K Assets $194.1M Founded 1936 Locations reported 3 NCUA charter 1607 Charter type Federal credit union ### Services and member support - Online loan application - Electronic statements - Mobile check deposit - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Hawaii County Employees** Main Office · Hilo · HI · 96720 About 9.6 miles away](https://rateapi.dev/credit-unions/hawaii/hawaii-county-employees) [**HFS** HILO OFFICE · HILO · HI · 96720-3828 About 10.4 miles away](https://rateapi.dev/credit-unions/hawaii/hfs) [**CU Hawaii** Waiakea HS Student Branch · Hilo · HI · 96720 About 10.6 miles away](https://rateapi.dev/credit-unions/hawaii/cu-hawaii) [**Hawaii First** Hilo Branch · Hilo · HI · 96720 About 10.7 miles away](https://rateapi.dev/credit-unions/hawaii/hawaii-first) [**Helco** HELCO FCU · Hilo · HI · 96720 About 10.7 miles away](https://rateapi.dev/credit-unions/hawaii/helco) [**Onomea** Onomea FCU · Papaikou · HI · 96781 About 12.5 miles away](https://rateapi.dev/credit-unions/hawaii/onomea) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Big Island Credit Union Membership eligibility from Big Island Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Community charter: live/work in Hawaii - Location Hawaii **Cost to join:** About $51 (a $1 membership fee plus a $50 minimum deposit). Verified from [Big Island Credit Union's membership page](https://www.bigislandfcu.com/membership-eligibility) . Final membership determination is always made by the credit union. ## Membership rules for Big Island Credit Union Geography 1 county 1 published path to membership, last verified August 5, 2026, from NCUA regulator charter records. ### Geography 1 Auto-verified against the source page from NCUA regulator charter records · last verified August 5, 2026 - Hawaii County, HI “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Hawaii County, HI” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Big Island Credit Union? Yes No ## Work at Big Island Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Big Island Credit Union ranks against Hawaii peers. - See which AI assistants fetched Big Island Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Hawaii - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=big-island&state=hawaii&code=HI&name=Big%20Island%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Big Island Credit Union offer? Big Island Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Big Island Credit Union rates updated? RateAPI verifies Big Island Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Big Island Credit Union's rate data? Rate data is collected directly from Big Island Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Big Island Credit Union? Community charter: live/work in Hawaii RateAPI tracks 1 published membership path covering 1 county for Big Island Credit Union, each quoted from NCUA charter records. ## Related Rate Data Compare Big Island Credit Union's rates against national credit-union benchmarks. [More Hawaii credit unions](https://rateapi.dev/credit-unions/hawaii) [Hawaii auto loan rate leaders](https://rateapi.dev/auto-loan-rates/hawaii) [Hawaii personal loan leaders](https://rateapi.dev/personal-loan-rates/hawaii) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.bigislandfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Big Island Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Hawaii credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Big Island Credit Union curl "https://api.rateapi.dev/credit-unions/hawaii /big-island " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Big Island Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/hawaii/big-island Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp