HawaiiUSA FCU Loans Rate Board

LOANS		APR
Personal Loans Up to $20,000
12 Months		as low as 7.00%
24 Months		as low as 7.50%
36 Months		as low as 8.00%
48 Months		as low as 8.50%
60 Months		as low as 9.50%
New Auto Loans Up to 100% Financing
Up to 36 Months		as low as 5.25%
Up to 60 Months		as low as 5.50%
Up to 72 Months (minimum of $20,000)		as low as 6.25%
Up to 84 Months (minimum of $25,000)		as low as 6.50%
Used Auto Loans up to Kelly Retail Blue Book Value
Up to 36 Months		as low as 5.50%
Up to 60 Months		as low as 5.75%
Up to 72 Months (Minimum finance amount $20,000)		as low as 6.50%
First Mortgage ($10,000 - $625,500)		Mortgage Rates
15 & 30 Year Fixed		Mortgage Rates
Second Mortgage ($10,000 - $200,000)		6.751%
Owner-Occupied; 15-Year Fixed
Home Equity QuickAccess Line Owner-Occupied property; Maximum Limit $200,000, Variable Rate Adjusts quarterly		7.00%
Overdraft Line of Credit		13.00%
QuickAccess Signature Line		4.50%
Write your own loan up to your credit Limit, using Line of Credit checks. Variable rate adjusts annually in Jan.
VISA Platinum Credit Card		Credit Card Rates
Rates based on Annual Percentage Rate (APR). Other loan products available. Certain conditions apply on loans. Rates for Personal and Automobile Loans determined on applicant(s) credit history. No refinancing of existing HawaiiUSA FCU consumer loans. New loans only. All loans except Second Mortgage, Lines of Credit, Variable Rate loans and credit cards reflect a .25% discount with automatic transfer from either share draft, share account with ACH payroll deposit or payroll deduction. Additional rewards discounts available. Rate will increase if automatic transfer or payroll deduction is discontinued. Loan rates and terms as of March 14, 2009. Subject to change without notice. *Fixed second mortgage Annual Percentage Rate (APR) based on a minimum of 20% down payment. 180 month principal and interest payment of $884.91 per $100,000 borrowed. Maximum loan amount $200,000. **Special appreciation rate (for existing HELOC-nonPlus) of 6.0% APR at a daily periodic rate of 0.016438%. This special rate will be in effect until the May statement cycle date at which time the rate will change to the prevailing rate. The current prevailing rate is 7.0% APR, at a daily periodic rate of 0.019178% as of February 1, 2009. For new lines a 4.00% promotional rate offer at a daily periodic rate of 0.010959% ends on April 30, 2009. After the initial promotional period, the rate will adjust to the prevailing rate. The APR can change quarterly on the statement cycle date of February, May, August & November. The rate will then be adjusted to equal 2.50% over the weekly average yield on US Treasury Security adjusted to a constant maturity of one year rounded up to the nearest 0.25%. Currently the index is 0.44% as of February 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 rate period. Maximum loan amount is lesser of $200,000 or 80% of 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 is based on your most recent tax assessment. Appraisal cost may vary from $350-$1000 depending on the property. You will be required to pay certain fees to third parties at closing that may range from $0-$1500.
We do business accordance with the Federally Fair Housing Law and the Equal Credit Opportunity Act.