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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 April 1st, 2013 -
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.
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LOAN PLAN
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Annual % Rate (APR)
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Personal Line of Credit
*Annual Percentage Rate may Vary
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As low as
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7.75%
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Share Secured
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6.50%
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50/50 Share Secured
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As low as
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7.50%
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Mixed Collateral
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As low as
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7.00%
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Signature
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As low as
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6.75%
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Overdraft Protection
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As low as
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9.00%
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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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7.50%
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Youth Activities
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As low as
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7.50%
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New Vehicles
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As low as
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5.50%
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Used Vehicles
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As low as
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6.50%
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Supplemental Student Loan
(direct to member)
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8.00%
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| Pot of Gold |
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18.00% |
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Green Energy First
(Energy Star rated appliances/
solar/water energy systems)
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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
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Call branch for information |
| Vacant Lot Loans |
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Call branch for information |
| Construction Loans |
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Call branch for information |
Department of Hawaiian
Home Lands Construction |
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Call branch for information |
| Home Equity Line of Credit |
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Call branch for information |
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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 |
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.
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