Kumu Kako’o New Teacher Assistance Program
Introducing the Kumu Kako’o (Teacher Support) Initiative, a collaborative program between the Hawai’i State Department of Education and local credit unions designed to provide financial assistance to newly hired public school teachers. CU Hawai’i FCU offers an array of beneficial resources, including a financial literacy partnership that presents a range of loans, accounts, and services!
- Personal Loans up to $4,000
- Credit Cards up to $1,000
- $250 CU Hawai’i grant
- SmartScore Credit Builder loan
- Rewards Savings Account
Offer ends November 30th, 2025!
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Personal Loans
Enjoy no payments or interest until November 2025!1
| Term |
APR* Range |
Payment Range |
| 12 Months | 6.49% - 15.00% | $87 - $91 per $1,000 |
| 36 Months | 8.49% - 16.75% | $32 - $36 per $1,000 |
| 60 Months | 9.49% - 17.75% | $22 - $26 per $1,000 |
1Interest will not accrue until 11/25/2025. Thereafter, interest will resume in accordance with the terms of your loan agreement. First payment must be made on or before 11/25/25.
*APR=Annual Percentage Rate. Rates are effective as of July 24, 2025. Actual APR depends on credit history and loan terms. Maximum loan amount is $4,000. Rates and payments are subject to change. Subject to new employment/income verification from the State of Hawaii. No Internal refinancing. Applicants must qualify under CU Hawaii's membership and lending guidelines. Offer can be modified or cancelled at any time. Additional restrictions may apply. Insured by NCUA
Credit Cards
Explore our flexible credit card options to empower new teachers on their journey to financial success!
| As low as |
As high as |
Payment Range* |
| 11.00% | 17.25% | $20 per $1,000 |
*Payments are calculated based on 2% of your total new balance, or $15.00, whichever is greater. No annual fee. Rates are subject to change. Refer to our Credit Card Application & Solicitation Disclosure for complete details.
CU Hawaii Grant
Fund classroom expenses with a $250 grant.
Limited to the first 25 new teachers who apply and are approved. Subject to CU Hawaii membership. New employment verification from the State of Hawaii is required.
SmartScore Credit Builder Loan
The SmartScore personal loan is ideal for individuals with no credit history or those seeking to improve their credit score. Offering a fixed APR* of 5.00% for a 12-month term, loan amounts range from $300 to $5,000. This opportunity not only helps build credit but also saves you money.
Your credit score will depend on your timely payments and financial habits. Results cannot be guaranteed. Please note that this product will not eliminate any negative credit history from your credit report.
*APR=Annual Percentage Rate. Applicants must qualify under CU Hawaii’s membership and lending guidelines. Rates are subject to change. Loan rate of 5.00% effective 07/01/2025. Your Membership Savings account is used as collateral for your SmartScore loan. As of 07/01/2025, the APY (Annual Percentage Yield) for a Membership savings account is 0.05% and is subject to change without notice. Payment example: A loan of $300 with 5.00% APR with a 12-month term will have 12 monthly Principal and Interest payments of $25.69, which includes $8.28 total interest paid. A loan of $5,000 with 5.00% APR with a 12-month term will have 12 monthly Principal and Interest payments of $428.08, which includes $136.96 total interest paid. After successful repayment of the loan, the balance in your Membership Savings account will be made available. If you fall 30 days delinquent, your SmartScore Loan will be settled and closed, using the funds previously pledged in your Membership Savings account. Certain restrictions apply. Insured by NCUA
Rewards Savings Account
This free savings account offers an effortless way to build savings, linked to either Kasasa Cash® or Kasasa Cash Back® checking accounts. It provides a competitive 5.00% APY on balances up to $50,000, with tiered rates for higher balances. If qualifications are not met, the APY drops to 0.05% on all balances. There are no monthly maintenance fees, minimum balance requirements, or initial deposit needed to open an account. Members enjoy 24/7 access via ATM, online banking, telephone banking, and mobile banking, along with free online bill pay and mobile deposit features.
Qualification Information: To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your linked Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle: at least one direct deposit or ACH credit/payment transaction, at least 10 debit card purchases and be enrolled in and have agreed to receive e-statements rather than paper statements. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions, and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first day of the current statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Visit our website at www.CUHawaii.com or contact one of our member service representatives for specific Monthly Qualification Cycle dates. "Business Day" means our business days are Monday through Friday. Saturday, Sunday and Federal Holidays are not included. "Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Visit our website at www.CUHawaii.com or contact one of our member service representatives for specific Statement Cycle dates.
Reward Information: When your linked Kasasa Cash or Kasasa Cash Back account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $50,000 in your Kasasa Saver account earn an APY of 5.00% and average daily balances over $50,000 earn a dividend rate of 0.249% on the portion of the average daily balance over $50,000 resulting in a range from 0.25% to 5.00% APY depending on the account's average daily balance. When your linked Kasasa Cash or Kasasa Cash Back account qualifications are not met, the entire average daily balance in the Kasasa Saver account earns a dividend rate of .05% resulting in an annual percentage yield of .05% APY. Dividends will be credited to your Kasasa Saver account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 03/10/2025. APY calculations are based on an assumed balance of $50,000 + $100,000 in your Kasasa Saver account and an assumed statement cycle of thirty-one (31) days. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.
Additional Information: Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. Monthly one (1) Direct Deposit or ACH payment or ACH credit, enrollment in e-statements and 10 point of sale purchases with your debit card that have posted and settled before the end of the statement cycle are conditions of this account. Enrollment in electronic services (e.g. online banking, e-statements) and log-ons may be required to meet some of the account's qualifications. Limit of one (1) account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. A Kasasa Cash or Kasasa Cash Back account is required to have a Kasasa Saver account. A linked Kasasa Saver account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA
Trademarks: Kasasa and Kasasa Cash are trademarks of Kasasa, Ltd., registered in the U.S.A.
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