Loan Rates
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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 January 01, 2009 -
  
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.

LOAN PLAN

 

Annual % Rate (APR)

Personal Line of Credit

 

Variable

Share Secured

 

6.50%

50/50 Share Secured

 

9.00%

Mixed Collateral

As low as

11.00%

Signature

As low as

8.50%

Overdraft Protection

As low as

11.50%

Workout

 

16.00%

Pay Day

 

16.00%

Patient Payment

As low as

6.00%

Youth Activities

As low as

6.00%

     

CLOSED-END LOAN PROGRAMS 


1.  New Vehicles
     (100% financing of retail price)

As low as

6.00%

2.  Used Vehicles
     (100% financing of retail price)

As low as

7.00%

3.  Supplemental Student Loan
     (direct to member)

 

8.00%

4.  Federal/State Income Tax
     Loans
(per member)

As low as

8.50%

5.  Auto Insurance Premium
     Loans
(Premium Amount)

As low as

8.50%

6.  Mortgage Loans

 

Call branch for information

7.  Vacant Lot Loans

 

Call branch for information

8.  Construction Loans

 

Call branch for information

9.  Department of Hawaiian
     Home Lands Construction

 

Call branch for information

10.  Home Equity Line of Credit

 

Call branch for information

11.  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
Late Payment Fee .............................................$25.00 *
Over-the-Credit-Limit Fee ................................$25.00

*   if ten (10) or more days late.

The information about the costs of the card described in this application is accurate as of 01/01/2009.  This information may have changed after that date.  To find out what may have changed, contact the credit union.