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)		6.501%
Owner-Occupied; 15-Year Fixed
Home Equity QuickAccess Line Owner-Occupied property; Maximum Limit $200,000, Variable Rate Adjusts quarterly		4.00%
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 First Mortgages, Second Mortgages, 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 May 1, 2010. Subject to change without notice. SECOND MORTGAGE: *Fixed second mortgage Annual Percentage Rate (APR) based on a maximum amount of 80% of home value. 180 month principal and interest payment of $871.11 per $100,000 borrowed. Maximum loan amount $200,000. HOME EQUITY LINE OF CREDIT: The current prevailing rate is 4.0% APR, at a daily periodic rate of 0.010958% as of May 1, 2010. 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 0.47% as of May 1, 2010. 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 4.00% 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, margin, and floor adjustments. HELOC has a 5-year draw period with a 15-year maturity (with principal and interest payment). You must carry fire, hurricane & flood (if applicable) insurance on the property that secures the credit. No annual fee or prepayment penalty. Membership is required (minimum $5.00 share account). We may charge you 5% of the payment due if your payment is more than 15 days late. We may charge you a fee of $10.00 if you pay your account with an insufficient funds check, request an advance that would exceed your credit limit or request an advance less than the minimum advance of $250. You will be required to pay certain fees to third parties at closing that may range from $0 - $1,500. These fees include, but not limited to title insurance ($100-$250), trust review ($155-$325), mortgage or other document preparation fees ($125-$145), and property inspection ($65-$85). Certain third party fees may be waived if an initial draw of a minimum $20,000 or more new monies is advanced at opening and your credit line is not closed prior to the first anniversary of the opening date and you agree to maintain the account balance less normal monthly payments for a period of 90 days from opening. 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.
We do business accordance with the Federally Fair Housing Law and the Equal Credit Opportunity Act.