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** These rates are accurate and effective for accounts as of the date indicated and is subject to change without notice.  If you have any questions or want to know the current rate information, please give us a call or stop by ony of our branches. **

- Rates effective as of July 1st, 2014 -
  
All rates shown are as low as.

Loan rate, term and amount financed are determined by credit worthiness. 
Final rate and term is assigned at time of application approval.
A share account must be established prior to loan booking.
A one-time $1.00 membership fee applies.

LOAN PLAN

 

Annual Percentage Rate (APR)

Personal Line of Credit
*Annual Percentage Rate may Vary

As low as

7.75%

Share Secured

 

6.50%

50/50 Share Secured

As low as

7.50%

Mixed Collateral

As low as

7.00%

Signature

As low as

6.75%

Overdraft Protection

As low as

9.00%

Pay Day

 

16.00%

Patient Payment

As low as

7.50%

Youth Activities

As low as

7.50%

New Vehicles

As low as

5.50%

Used Vehicles

As low as

6.50%

Supplemental Student Loan
(direct to member)

 

8.00%

Pot of Gold   18.00%

Green Energy First
(Energy Star rated applianc
es/
solar/water energy systems)

As low as 5.00%

Disclosure:  If payment is late for a period of 16 days or more, you will be charged a late fee
                of 5.00% of the scheduled monthly payment
or $25.00, whichever is greater.

REAL ESTATE LOANS
Mortgage Loans                    
                
Call branch for information
Vacant Lot Loans   Call branch for information
Construction Loans   Call branch for information
Department of Hawaiian
Home Lands Construction
  Call branch for information
Home Equity Line of Credit   Call branch for information
 

CREDIT CARD

Classic VISA card
       (up to $10K limits available)
View our Visa Card Disclosure

                                12.95%              

TABULAR DISCLOSURE

Annual Percentage 
Rate (APR) for 
Purchases

VISA Classic
12.95%
Other APRs Cash Advance ....12.95%
Grace Period
for Purchases
25 Days
Method of Computing
the Balance for Purchases
Average Daily Balance 
(Including New Purchases)
Annual Fee $12.50
Minimum Finance Charge $0.50
Transaction Fee for
Purchases
None
Foreign Transaction Fee .............................. 1% *
Late Payment Fee ..........................................$25.00 **
Over-the-Credit-Limit Fee .............................$25.00

*  of transaction amount
**  if ten (10) or more days late

The information about the costs of the card described in this application is accurate as of 5/2008.  This information may have changed after that date.  To find out what may have changed, contact the Credit Union.