HELOC Special

Take advantage of our special Home Equity Line of Credit rate. Open a new HELOC and receive our low 4.00% APR* (until 4/30/2010) -7:00% APR Prevailing Rate- for all advances until your respective November 2009 statement. With one low monthly payment, we can help accomplish your dreams. Escape the burden of high-interest credit card bills, renovate your home or just have peace of mind knowing you are covered for any unexpected expenses.

And, the interest on your HELOC may be fully tax deductible,** saving you even more! Your home may be one of your greatest assets for financing when you need extra cash. Visit any HawaiiUSA branch to apply for your HELOC and take advantage of our low rate today!

For more information on our HELOC program, call our Member Service Center at 534.4300 or toll-free from the neighbor islands at (800) 379.1300. Don't let this one get away!

*Annual Percentage Rate. 4.00% promotional rate offer at a daily periodic rate of 0.010958% ends on April 30, 2010 for
new lines. After the initial promotional period, the rate will adjust to the prevailing rate. The current prevailing rate is 7.00% APR, at a daily periodic rate of 0.019178% as of November 1, 2009. The Annual Percentage Rate can change quarterly on the statement cycle date of February, May, August and November. The rate will then be adjusted to equal 2.50% over the weekly average yield on U.S. Treasury Security adjusted to a constant maturity of one year rounded up to the next 0.25%. The current index is 0.36% as of November 1, 2009. The rate cannot increase or decrease more than 1.00% at each quarterly rate adjustment, but may exceed that for the single adjustment at the end of the promotional rate period. The maximum APR that can apply is 18.00% or the maximum permitted by law, whichever is less. Under no circumstances will your APR go below 7.00% at any time during the term of the plan other than during a promotional period. Maximum loan amount is lesser of $200,000 or 80% of your home value. Hawaii properties must be fee simple and owner occupied. Higher LTV programs available with price adjustments. Credit line has a 15-year maturity. You must carry insurance on the property that secures the credit. No appraisal is required if the equity line of credit valuation is based on your most recent tax assessment. Appraisal cost may vary from $350-$1,000, depending on the property. You will be required to pay certain fees to third parties at closing that may range from $0 - $1,500.