Holiday Loan Do the holidays your way - imagine the possibilities Fixed rates as low as * 1.99% APR For 12 months HawaiiUSA FEDERAL CREDIT UNION COUAL HOUN LENDER *APR=Annual Percentage Rate. Holiday Loans are eligible for a 0.25% discount with automatic transfer from either share draft, share account with ACH payroll deposit, or payroll deduction; rate as low as 2.24% without. Payment example: Loan amount of $1,000 at 1.99% APR for 12 months would have a monthly principal and interest payment of S84.23. Insured by NCUA. Holiday Loan Do the holidays your way - imagine the possibilities Fixed rates as low as * 1.99% APR For 12 months HawaiiUSA FEDERAL CREDIT UNION COUAL HOUN LENDER *APR=Annual Percentage Rate. Holiday Loans are eligible for a 0.25% discount with automatic transfer from either share draft, share account with ACH payroll deposit, or payroll deduction; rate as low as 2.24% without. Payment example: Loan amount of $1,000 at 1.99% APR for 12 months would have a monthly principal and interest payment of S84.23. Insured by NCUA.