Personal Loan Product Rates*

 

Share Secured Loan3,4                                        
      Borrowing $45,000.00 and Over ...............2.00% Margin
      $30,000 to $44,999.99 .................................2.50% Margin
      $15,000 to $29,999.99 .................................2.75% Margin
      $14,999.99 and Lower ................................3.00% Margin
Personal Loan4,5 ....................................................2.74% APR
Tuition Loan4,5 ......................................................1.74% APR
New Vehicle Loan4,5 .............................................1.70% APR
Used Vehicle Loan4,5 ............................................1.70% APR
Overdraft Line of Credit5 ....................................8.00% APR
Visa Credit Card ..................................................9.50% APR

Real Estate Loan Product Rates*

 

Fixed-Rate Mortgage Loans (LTV 80%)6   
        5-Year Term, No Points ................................3.75% APR
        7-Year Term, No Points ................................4.00% APR
      10-Year Term, No Points ................................4.25% APR
      15-Year Term, No Points ................................4.75% APR         Fixed-Rate Mortgage Loans (LTV 90%)6                             
      15-Year Term, No Points ................................7.25% APR
Home Equity Line of Credit (LTV 80%)7     
        1-Year Rate Fixed ..........................................1.00% APR
        3-Year Rate Fixed ..........................................3.00% APR
        5-Year Rate Fixed ..........................................4.00% APR
Home Equity Line of Credit (LTV 90%)7     
        1-Year Rate Fixed ..........................................6.00% APR
        3-Year Rate Fixed ..........................................6.00% APR

          

Savings Dividend Rates*

 
Savings**
      $25.00 to $9,999.99 ........................................0.15% APY
      $10,000 to $49,999.99 ......................0.15% - 0.19% APY
      $50,000.00 and Over .......................0.19% - 0.25% APY  

Holiday Club Savings1 ......................................1.00% APY

Individual Retirement Account (IRA)
      $0.00 to $9,999.99...........................................0.50% APY
      $10,000.00 to $49,999.99................0.50% to 0.90% APY
      $50,000.00 and Over.......................0.90% to 1.50% APY

Individual Retirement Account (IRA) Share Certificate1
        1 Year Term ..................................................1.00% APY
        2 Year Term ..................................................1.25% APY
        3 Year Term ..................................................1.50% APY 
        4 Year Term ..................................................1.75% APY
        5 Year Term ..................................................2.00% APY 

Share Certificate1
        6 Month Term .............................................0.30% APY
      12 Month Term .............................................0.40% APY
      24 Month Term .............................................0.50% APY 
      36 Month Term .............................................0.75% APY
      48 Month Term .............................................1.00% APY  
      60 Month Term .............................................1.25% APY 

Super Saver Certificate Share Account2
      12 Month Term .............................................3.00% APY 

 

 

 

 
 *APY is Annual Percentage Yield; APR is Annual Percentage Rate. Rates current as of 03-01-2013; 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. 2Super Saver Certificate Share Account: 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.  3Share 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; based on the average dividend rate for deposit pledged. 4Lowest available rate for a 3-year term loan on Vehicle Loans and a 1-year term on Personal and Tuition Loans including a 0.25% (quarter-percent) discount for existing/renewing borrowers.  Other rates and terms available.  5Based 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. 6APRs are the lowest available rates including a 0.25% (quarter-percent) discount for existing/renewing borrowers.  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. 7Lowest available rate subject to certain conditions.  For residential, owner-occupied, fee simple properties in the State of Hawaii.