Student Choice Loan- Hawaii USA Federal Credit Union

Student Choice Loan

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Personal Loans

Loans

Effective 7/1/2013

AccountTermAPR
Personal Loans Up to $20,00012 Monthsas low as 5.00%
Personal Loans Up to $20,00024 Monthsas low as 5.50%
Personal Loans Up to $20,00036 Monthsas low as 6.00%
Personal Loans Up to $20,00048 Monthsas low as 6.25%
Personal Loans Up to $20,00060 Monthsas low as 4.50%
QuickAccess Signature LineWrite your own loan up to your credit Limit, using Line of Credit checks. Variable rate adjusts annually in Jan.4.25%
Overdraft Line of Credit13.00%
VISA Platinum Credit Card8.00% - 14.90%
New Auto Loans Up to 100% FinancingUp to 36 Monthsas low as 2.75%
New Auto Loans Up to 100% FinancingUp to 60 Monthsas low as 3.25%
New Auto Loans Up to 100% FinancingUp to 72 Months (minimum of $20,000)as low as 4.00%
New Auto Loans Up to 100% FinancingUp to 84 Months (minimum of $20,000)as low as 5.00%
Used Auto Loans up to Kelley Retail Blue Book ValueUp to 36 Monthsas low as 2.75%
Used Auto Loans up to Kelley Retail Blue Book ValueUp to 60 Monthsas low as 3.50%
Used Auto Loans up to Kelley Retail Blue Book ValueUp to 72 Months (minimum of $20,000)as low as 4.25%
New Motorcycle LoanUp to 36 Monthsas low as 5.25%
New Motorcycle LoanUp to 60 Monthsas low as 5.75%
New Motorcycle LoanUp to 72 Monthsas low as 6.25%
New Motorcycle LoanUp to 84 Monthsas low as 6.75%
Used Motorcycle LoanUp to 36 Monthsas low as 6.75%
Used Motorcycle LoanUp to 60 Monthsas low as 7.50%
Used Motorcycle LoanUp to 72 Monthsas low as 8.00%
First Mortgage ($10,000 - $625,500)15 & 30 Year Fixed
Second Mortgage ($10,000 - $200,000)Owner-Occupied; 15-Year Fixed5.0% Rate / 5.035 % APR
Home Equity QuickAccess LineOwner-Occupied property; Maximum Limit $200,000, Variable Rate Adjusts quarterly*4.00%
Home Improvement Loan (min $5,000)60 Months4.50%
Home Improvement Loan (min $10,000)72 Months5.75%
Home Improvement Loan (min $10,000)84 Months6.00%
Home Improvement Loan (min $10,000)120 Months6.50%
"Green" Home Improvement Loan (min $5,000)60 Months4.50%
"Green" Home Improvement Loan (min $10,000)72 Months5.25%
"Green" Home Improvement Loan (min $10,000)84 Months5.50%
"Green" Home Improvement Loan (min $10,000)120 Months6.00%
"Green" Home Improvement Loan (min $15,000)180 Months6.50%
"Green" Home Improvement Loan (min $10,000)5/15 Year Balloon5.50%

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 August 1, 2012. 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. 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”): The current prevailing rate is 4.00% APR. The prevailing rate is a variable rate which may vary on a quarterly basis on the statement cycle date of February, May, August & November. The APR will be equal to 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%. As of 02/01/2014, the US Treasury Security index was 0.11%. 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 4.00% 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 include, but are not limited to, title insurance ($125-$300), recording fee ($25-$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, estimated cost may vary from $500 to $1,500 depending on the property. 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 5-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.

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HawaiiUSA FCU For more information, call HawaiiUSA FCU at (808) 534.4300 or toll-free (800) 379.1300, click or visit one of our branches.
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