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How to make a Loan Payment

Thank you for choosing CU Hawaii for your loan we’re here to make payments simple and convenient.

Loan Payoff and Credit Card Payoff Notice:
Please note that the balance displayed in your online banking or mobile application may not reflect the full payoff amount due to accrued interest and/or applicable fees. For an accurate payoff amount, please select “Details” within your online banking or mobile application.

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Digital & Automatic Payments

Online & Mobile App Transfers

The fastest and easiest way to make your payment - using funds already in your account.

Steps:

  1. Log in to your online banking account or open your mobile app.
  2. Open the menu and select Transfers.
  3. Click Transfer Funds.
  4. Choose your checking or savings account as the “From” account.
  5. Select your loan as the “To” account.
  6. Enter the payment amount.
  7. Select your Transfer Frequency (one-time or recurring).
  8. Review and confirm your transfer.

Call-In Transfer

Call (808) 933-6700 to have a CU Hawai’i representative process your transfer for you.

Payroll Deduction (Automatic Payments)

A convenient, automatic way to stay on track

With payroll deduction, your loan payment is automatically taken from your paycheck—so you never have to worry about missing a due date.

How it works:

  • A portion of your paycheck is deposited directly into your account.
  • Your loan payment is automatically applied from those funds.
  • Direct deposit is required to set up payroll deduction.
  • A form must be completed and signed to authorize this service.
  • Payment deductions can be split based on your payroll frequency.

Recurring Automatic Payments

This option is ideal if you do not have direct deposit set up to your account. Your loan payment is automatically withdrawn each month from your checking or savings account.

How it works:

  • Payments are withdrawn from your checking or savings account.
  • You can choose a set date each month for your payment.
  • Funds must be available in your account on the scheduled date.
  • A form must be completed and signed to authorize this service.

External Transfers

Using Funds from Another Financial Institution (Bill Pay)

  1. Log in to your external financial institution’s online banking.
  2. Navigate to Bill Pay.
  3. Add your loan as a payee (if it’s not already set up).
    • You may need your loan number and payment details.
  4. Schedule your payment.
  5. Select a delivery date that ensures your payment arrives before your due date.

Please note: Delivery times vary—electronic Bill Pay may be faster, but mailed checks can take up to 7–10 business days. Schedule early to avoid late payments.

In-branch Payments

In-Branch Payments (Cash or Check)

  1. Visit your nearest branch.
  2. Speak with a CU Hawai’i representative.
  3. Provide your loan details.
  4. Submit your payment.

Other Payment Methods

Mail a Check

Send your payment by check through the mail. Please allow enough time for delivery to ensure your payment is received by the due date.

How to pay by check:

  • Make checks payable to: CU Hawai’i FCU.
  • Include your loan number on the memo line.
  • Mail to 476 Hinano St. Hilo, HI 96720.

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Need Help or Have Questions?

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What if I can’t make my payment this month?

We understand that things come up. Please contact us as soon as possible—we may be able to help you explore your options.

What if my payment is late?

Late payments may result in fees or impact your account. If you think your payment will be late, reach out to us—we’re here to help.

Do I have loan protection or payment insurance?

If you enrolled in loan protection, your coverage may help in certain situations. Contact us to review your coverage and see what options may be available.

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Still need help?

Call us at (808) 933-6700 or visit a branch—our team is happy to assist you.