You have Alexander Wang taste on a Payless budget.

So when you dream big (that European vacation, those culinary courses, the apartment renovation) you usually have to settle for small (a motel with a street view in Waikiki, watching the Food Network, a cheap throw to cover up your beat up couch).

You could use some cash and an in-depth financial plan that DOESN'T involve borrowing from your parents … again. Here's a deal to consider. Hawaii State Federal Credit Union is celebrating the opening of its new Kaneohe location with a one-year personal loan with as low as a 1.00% APR.

The 1.00% APR loan is only good for new members at the new Kaneohe Hawaii State FCU and only for the month of October. Join now and you'll even be entered to win a trip to Las Vegas--keep in mind, this does not count as an in-depth financial plan--a family 4-pack to Wet 'n Wild and be gifted with a bag of rice in honor of the branch's spacious new location which once was rice fields.

The benefits of membership in one of the state's largest credit unions doesn't end October 31. Year round, take advantage of a wide range of financial services including high dividend savings, IRAs, home equity lines and some of the lowest rates for auto and personal loans available.

Since Hawaii State FCU is not-for-profit, any earnings go right back to members.

Now that's how to make your dollars make sense.

Membership is limited to State and County employees and their immediate families. Hawaii State Federal Credit Union's Kaneohe branch is located in the Kaneohe Bay Shopping Center, 46-047 Kamehameha Hwy. For a full list of special offers and restrictions, visit Hawaii State FCU's website.