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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. **
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- 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.
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LOAN PLAN
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Annual % Rate (APR)
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Personal Line of Credit
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Variable
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Share Secured
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6.50%
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50/50 Share Secured
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9.00%
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Mixed Collateral
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As low as
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11.00%
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Signature
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As low as
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8.50%
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Overdraft Protection
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As low as
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11.50%
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Workout
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16.00%
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Pay Day
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16.00%
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Patient Payment
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As low as
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6.00%
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Youth Activities
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As low as
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6.00%
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CLOSED-END LOAN PROGRAMS
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1. New Vehicles
(100% financing of retail price)
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As low as
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6.00%
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2. Used Vehicles
(100% financing of retail price)
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As low as
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7.00%
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3. Supplemental Student Loan
(direct to member)
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8.00%
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4. Federal/State Income Tax
Loans (per member)
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As low as
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8.50%
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5. Auto Insurance Premium
Loans (Premium Amount)
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As low as
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8.50%
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6. Mortgage Loans
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Call branch for information
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7. Vacant Lot Loans
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Call branch for information
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8. Construction Loans
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Call branch for information
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9. Department of Hawaiian
Home Lands Construction
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Call branch for information
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10. Home Equity Line of Credit
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Call branch for information
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11. VISA card
(up to $10K limits available)
View our Visa Card Disclosure
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12.95%
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Annual Percentage
Rate (APR) for
Purchases
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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.
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