Personal Loan Product Rates*

 

Share Secured Loan2,3                           Rate Starts At
      Borrowing $45,000.00 and Over ........2.00% APR
      $30,000 to $44,999.99 ..........................2.50% APR
      $15,000 to $29,999.99 ..........................2.75% APR
      $14,999.99 and Lower .........................3.00% APR
Personal Loan3,4 ......................................5.25% APR
Tuition Loan3,4 .........................................4.25% APR
New Vehicle Loan3,4 ...............................4.10% APR
Used Vehicle Loan3,4 ..............................4.35% APR
Overdraft Line of Credit4 .......................8.00% APR
Visa Credit Card5 ...................................Click Here

Real Estate Loan Product Rates*

 

Fixed-Rate Mortgage Loans6                             
      5-Year Term, No Points .......................5.50% APR
      7-Year Term, No Points .......................5.75% APR
      10-Year Term, No Points .....................6.00% APR
      15-Year Term, No Points .....................6.25% APR
Home Equity Line of Credit7                 Rate Starts At
      Loan to Value Ratio of 80% ................5.00% APR
      Loan to Value Ratio of 90% ................6.00% APR

Savings Dividend Rates*

 
Savings**
      $25.00 to $9,999.99 ...............................0.40% APY
      $10,000 to $49,999.99 .............0.40% - 0.48% APY
      $50,000.00 and Over ..............0.48% - 0.60% APY

Share Draft (Checking)
      $200.00 and Over .................................0.25% APY

Holiday Club Savings1 .............................3.00% APY

Individual Retirement Account (IRA)
      $0.00 to $9,999.99..................................1.00% APY
      $10,000.00 to $49,999.99.......1.00% to 1.80% APY
      $50,000.00 and Over.............1.80% to 3.00% APY

Share Certificate1
        6 Month Term ....................................0.75% APY
      12 Month Term ....................................1.25% APY
      24 Month Term ....................................1.50% APY 
      36 Month Term ....................................1.75% APY
      48 Month Term ....................................2.00% APY  
      60 Month Term ....................................2.25% APY 

Specials!

 

'Active Checking' Share Certificate Special8
      12 Month Term ....................................7.00% APY

 
 *APY is Annual Percentage Yield; APR is Annual Percentage Rate. Rates current as of 09-01-2010; subject to change. All credit union products & services subject to membership eligibility. All loans products subject to credit review. **Earn one or more of the noted APYs based on each portion of your average daily balance (ADB) that falls within each tier. 1This account is subject to a penalty for early withdrawal, which may result in forfeiture of accrued dividends. Holiday Club Savings accounts are subject to a maximum monthly deposit of $200. Share Certificate accounts are subject to a minimum deposit of $2,500. 2Share Secured loans will incur a rate of no more than 3.00 percentage points (what we call a Margin) above the posted Dividend Rate (APY) for the type of Savings or Share Certificate account pledged for collateral; the rate indicated is using the lowest available APY for ADB in a Savings Account. 3Lowest available rate including a 0.25 percentage point discount for automatic payment. 4Based on credit standing, loan rates may vary up to 17.00% APR for a Tuition Loan or 18.00% APR for all other loans. Vehicle Loan amount maximum for used vehicles is based on the value of the vehicle. 5For rates & costs associated with our Visa credit card, please ask our staff or visit www.KukuiLine.org. 6APRs are the lowest available rates including a 0.25% quarter-percent off for automatic payment from a Hawaii Schools Federal Credit Union account.  For residential, owner-occupied, fee simple properties in the State of Hawaii; for refinancing or advancing equity of an existing home, and not for purchase of a new home.  Member receives $100 credit toward closing costs for every $5,000 advance.  7For residential, owner-occupied, fee simple properties in the State of Hawaii. 
8For 7.00% APY Active Checking Super Saver Share Certificate Special: This account is subject to a penalty for early withdrawal, which may result in forfeiture of accrued dividends and is subject to a maximum opening deposit of $1,000 and available for a 12-Month term only. Limited to one account per member with a Checking Account including a direct deposit arrangement. Other restrictions may apply. Limited time offer; subject to change or cancellation without notice.