Rates

It's our desire to save you money on loans and pay you more interest on your deposit accounts. HawaiiUSA is dedicated to helping you get the most value for your money.

Rates

View our latest rates

When you need a loan or mortgage from a trustworthy credit union on Maui or Oahu, turn to HawaiiUSA FCU. We offer competitive rates on home loans and personal loans, and our deposit accounts help your savings grow steadily.

Account Balance Term APY
Share Savings $5 minimum balance 0.10%
Secondary Shares $25 minimum balance 0.10%
Safari Club $25 minimum balance 0.10%
Jump Start $25 minimum balance 0.10%
Super Share Account $10,000 - $35,000 balance 0.15%
Super Share Account Over $35,000 0.20%
Super Draft Checking $1,000 average monthly balance 0.05%
eLife Checking Base Rate (qualifications not met) 0.01%
eLife Checking $0 - $10,000 0.85%
eLife Checking Over $10,000 0.10%
Christmas Shares $5,000 maximum balance. Deposits made through auto or payroll deduction. 0.40%
Premium Money Market Account <$50,000 0.10%
Premium Money Market Account $50,000 - $74,999 0.20%
Premium Money Market Account $75,000 - $99,999 0.25%
Premium Money Market Account Over $100,000 0.30%
Health Savings Account* $0-$1,000 0.55%
Health Savings Account* $1,000.01-$2,000 0.65%
Health Savings Account* $2,000.01-$5,000 0.75%
Health Savings Account* $5,000.01-$10,000 0.85%
Health Savings Account* Over $10,000 1.05%
Share Certificates $500 minimum balance 6 month term (dividends at maturity) 0.20%
Share Certificates $500 minimum balance 1-Year term (quarterly dividends) 0.35%
Share Certificates $500 minimum balance 18-Month term (quarterly dividends) 0.35%
Share Certificates $500 minimum balance 3-Year term (quarterly dividends) 0.45%
Share Certificates $500 minimum balance 5-Year term (quarterly dividends) 0.45%
Income Share Certificate $25,000 minimum balance 18 month dividend paid monthly 0.40%
Member Advantage Share Certificate $2,500 minimum balance 24 month term dividend paid quarterly 0.50%
Roth IRA or IRA Share $100 minimum balance 0.10%
Jumbo Certificates $100,000 minimum balance 60-89 Days: dividend paid at maturity 0.15%
Jumbo Certificates $100,000 minimum balance 6-Month (182 days): dividend paid at maturity 0.25%
Jumbo Certificates $100,000 minimum balance 1-Year (365 days): dividend paid quarterly 0.40%

Rates based on Annual Percentage Rate (APR). Other deposit products available. Savings rates and terms effective May 1, 2013. Subject to change without notice. Substantial penalty for early withdrawal of Share Certificates, Christmas Shares. Fees could reduce the earnings on the account. Contact Credit Union for fees and rates that apply on savings accounts.

Account Term APR
Personal Loans Up to $20,000 12 Months as low as 5.00%
Personal Loans Up to $20,000 24 Months as low as 5.50%
Personal Loans Up to $20,000 36 Months as low as 6.00%
Personal Loans Up to $20,000 48 Months as low as 6.25%
Personal Loans Up to $20,000 60 Months (minimum of $10,000) as low as 4.50%
Personal Loans Up to $20,000 72 Months (minimum of $20,000) as low as 7.00%
Signature Line of Credit Write your own loan up to your credit Limit, using Line of Credit checks. Variable rate adjusts annually in Jan. 4.25%
Overdraft Line of Credit 13.00%
VISA Platinum Credit Card 8.00% - 14.90%
New Auto Loans Up to 125% Financing Up to 36 Months as low as 2.75%
New Auto Loans Up to 125% Financing Up to 60 Months as low as 3.25%
New Auto Loans Up to 125% Financing Up to 72 Months (minimum of $20,000) as low as 4.00%
New Auto Loans Up to 125% Financing Up to 84 Months (minimum of $20,000) as low as 4.50%
Used Auto Loans up to 115% of Kelley Retail Blue Book Value Up to 36 Months as low as 2.75%
Used Auto Loans up to 115% of Kelley Retail Blue Book Value Up to 60 Months as low as 3.50%
Used Auto Loans up to 115% of Kelley Retail Blue Book Value Up to 72 Months (minimum of $20,000) as low as 4.25%
New Motorcycle Loan Up to 36 Months as low as 5.25%
New Motorcycle Loan Up to 60 Months as low as 5.75%
New Motorcycle Loan Up to 72 Months as low as 6.25%
New Motorcycle Loan Up to 84 Months as low as 6.75%
Used Motorcycle Loan Up to 36 Months as low as 6.75%
Used Motorcycle Loan Up to 60 Months as low as 7.50%
Used Motorcycle Loan Up to 72 Months as low as 8.00%
First Mortgage ($10,000 - $625,500) 15 & 30 Year Fixed
Second Mortgage ($10,000 - $200,000) Owner-Occupied; 15-Year Fixed 5.0% Rate / 5.035 % APR
Home Equity Line of Credit Owner-Occupied property; Maximum Limit $200,000, Variable Rate Adjusts quarterly* 4.00%
Home Improvement Loan (min $5,000) 60 Months 4.50%
Home Improvement Loan (min $10,000) 72 Months 5.75%
Home Improvement Loan (min $10,000) 84 Months 6.00%
Home Improvement Loan (min $10,000) 120 Months 6.50%
"Green" Home Improvement Loan (min $5,000) 60 Months 4.50%
"Green" Home Improvement Loan (min $10,000) 72 Months 5.25%
"Green" Home Improvement Loan (min $10,000) 84 Months 5.50%
"Green" Home Improvement Loan (min $10,000) 120 Months 6.00%
"Green" Home Improvement Loan (min $15,000) 180 Months 6.50%
"Green" Home Improvement Loan (min $10,000) 5/15 Year Balloon 5.50%

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 1st & 2nd Mortgages, Lines of Credit, Variable Rate loans and credit cards are eligible for 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 February 24, 2015. Subject to change without notice. Motorcycle Loan: Will finance MSRP or amount after downpayment whichever is lower.  Amount financed is percentage plus tax and license. Require minimum of 20% cash down on all applications. Will consider $3,000 in cancelables, service contract and GAP. Used bikes 5 model years back or 75,000 miles maximum. Maximum term for Tiers 4 & 5 is 60 months (both new and used). Must have proof of license before financing. Must  have proof of insurance before finance. SECOND MORTGAGE: *Fixed second mortgage Annual Percentage Rate (APR) based on a minimum of 20% down payment. 180 month principal and interest payment of $791.04 per $100,000 borrowed. Maximum loan amount $200,000.   HOME EQUITY LINE OF CREDIT (“HELOC”): Annual Percentage Rate (APR) as low as 0.75% APR fixed for one year (first 12 months), from the date your new home equity line of credit (HELOC) account is opened (initial fixed-rate term). After the initial fixed-rate term, the interest rate may vary on a quarterly basis on the statement cycle date of February, May, August, and November. The APR will equal the index, which is the weekly average yield on US Treasury Security adjusted to a constant maturity of one year, plus a margin of 2.50%, rounded up to the nearest 0.25%. The current index is 0.22% as of 5​/1/2015. The current non-discounted fully indexed variable APR as of 5/1/2015 is 4.25%. 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 a promotional discounted rate period. In no event will the APR be less than 4.25%, the floor rate, nor higher than 18.00% or the maximum permitted by law, whichever is less. HawaiiUSA FCU charges no credit union closing cost; however, you will be required to pay certain fees to third parties at closing that may range from $0 - $1,500. These fees if required include, but are not limited to, title insurance ($125-$300), escrow fees ($200-$500) recording fee ($26-$55), trust review and trust documentation ($155-$400), mortgage or other document preparation fees ($125-$175), and property evaluation ($65-$100). We will use a property evaluation to determine the property value. If the value is not sufficient, an appraisal will be required at your expense with the estimated cost varying from $500 to $1,500 depending on the property. When an initial draw of a minimum $25,000 or more new monies is advanced at opening, certain third party fees may be waived (fees waived include valuation assessment, title insurance, recordation, credit report and flood certification/tracking) when you agree to maintain the account balance less normal minimum monthly payments for a period of six-months from opening. Hawaii properties must be fee simple and owner occupied to qualify. Maximum loan amount is lesser of $200,000 or up to 80% of your home value. Higher LTV programs are available with price adjustments. HELOC has a five-year draw period with a 15-year amortized repayment (principal and interest payment). Minimum monthly payment is $150. You must carry fire, hurricane & flood (if applicable) insurance on the property that secures the credit at homeowners’ expense. No annual fee or prepayment penalty. HawaiiUSA FCU membership is required (minimum $5 share account). Program subject to change or discontinuation without notice.   HOME IMPROVEMENT LOAN/GREEN LOAN. All proceeds must be for home improvements to owner occupied principal residence; invoice receipts or contracts should be reviewed to verify proceeds used for home improvement purposes. 70% or more of loan proceeds must be for green products and installaltion cost. Collect $30 filing fee for UCC F/S to be recorded for loans of $25,000 or more for photo voltaic systems. Option for a one-time re-amortization of the remaining balance within the remaining terms of the original maturity after principal reduction is available within the first 24 months of loan origination. UCC F/S expired in 5 yrs- UCC F/S renewal extension not required for remaining term. Loans to finance leasing of PV units for the purpose of purchasing electrical rates from leasing company shall be limited to terms of 7 years or less. Loan must be with tax credits for PV systems. UCC Financial Statement to be filed. 5/15 Yr. balloon loan is only available for outright purchases of the PV system. Borrowers should be advised of pay-off requirement at 5 year maturity. Discount on 60 Mo HIM/Green Loan not applicable. Discount on 5/15yr balloon applicable.

We do business in accordance with the federal Fair Housing Act and the Equal Credit Opportunity Act.

Account Balance Term APY
Business Share 0.10%
Business Super Share $10,000 - $35,000 balance 0.15%
Business Super Share >$35,000 balance 0.20%
Business Money Market Account <$50,000 0.10%
Business Money Market Account $50,000 - $74,999 0.25%
Business Money Market Account $75,000 - $99,999 0.30%
Business Money Market Account $100,000 - $499,999 0.35%
Business Money Market Account $500,000 - $999,999 0.40%
Business Money Market Account Over $1,000,000 0.50%
Business Certificates $500 minimum balance 6 month (Dividend paid at maturity) 0.20%
Business Certificates $500 minimum balance 1 year (Dividend paid quarterly) 0.35%
Business Certificates $500 minimum balance 18 month (Dividend paid quarterly) 0.35%
Business Certificates $500 minimum balance 3 year (Dividend paid quarterly) 0.45%
Business Certificates $500 minimum balance 5 year (Dividend paid quarterly) 0.45%
Business Certificates $25,000 minimum balance 18 month income (Dividend paid monthly) 0.40%
Business Certificates $2,500 minimum balance 2 year (Dividend paid quarterly) 0.50%
Business Jumbo Certificates $100,000 minimum balance 60-89 Days (Dividend paid at maturity) 0.15%
Business Jumbo Certificates $100,000 minimum balance 6 month (182 days) (Dividend paid at maturity) 0.25%
Business Jumbo Certificates $100,000 minimum balance 1 year (365 days) (Dividend paid at maturity) 0.40%

Rates based on Annual Percentage Rate (APR). Other deposit products available. Savings rates and terms effective May 1, 2013. Subject to change without notice. Substantial penalty for early withdrawal of Share Certificates. Fees could reduce the earnings on the account. Contact Credit Union for fees and rates that apply on savings accounts.

Account APR
Business New Auto as low as 2.75%
Business Used Auto as low as 2.75%
Specialty Vehicle Loan as low as 3.75%
Business VISA Credit Card as low as 9.96%
Business Lines of Credit email contactus@hawaiiusafcu.com for rates
Business Term Loans email contactus@hawaiiusafcu.com for rates
Commercial Real Estate Loan email contactus@hawaiiusafcu.com for rates

Rates are based on Annual Percentage Rate (APR). A 0.25% rate discount on Auto/Vehicle loans is available with an optional automatic payment from a HawaiiUSA FCU business checking account. The rate will increase if the automatic transfer is discontinued. Rates are subject to change at any time.

*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 1st & 2nd Mortgages, Lines of Credit, Variable Rate loans and credit cards are eligible for 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 February 24, 2015. Subject to change without notice. Motorcycle Loan: Will finance MSRP or amount after downpayment whichever is lower. Amount financed is percentage plus tax and license. Require minimum of 20% cash down on all applications. Will consider $3000 in cancelables, service contract and GAP. Used bikes 5 model years back or 75,000 miles maximum. Maximum term for Tiers 4 & 5 is 60 months (both new and used). Must have proof of license before financing. Must have proof of insurance before finance.

We do business in accordance with the Federal Fair Housing Act and the Equal Credit Opportunity Act.