Rates

Product	APR*	TERM**
Savings Secured	2.80%	6 years
Personal ($25,000 max)**~^	As low as 6.00%	Up to 2 years
	As low as 6.50%	Up to 3 years
	As low as 7.00%	Up to 4 years
	As low as 7.50%	Up to 5 years
Home Equity Line of Credit***	4.00%
New Auto~~^	As low as 2.49%	Up to 3 years
	As low as 2.99%	Up to 4 years
	As low as 3.49%	Up to 5 years
($15,000+)	As low as 4.49%	Up to 6 years
($20,000+)	As low as 5.49%	Up to 7 years
Used Auto~~^	As low as 2.49%	Up to 3 years
	As low as 2.99%	Up to 4 years
	As low as 3.49%	Up to 5 years
($15,000+)	As low as 4.49%	Up to 6 years
($20,000+)	As low as 4.99%	Up to 7 years
Overdraft Protection ($5,000 max)	12.00%
Line of Credit ($10,000 max)	11.50%
Credit Cards
Visa Platinum	7.90%
Visa Gold	9.90%
Visa Classic	11.90%

*Annual Percentage Rate.
**This is an open-end loan. Terms indicated are for payment calculation only.
~APR disclosed is the lowest rate available based on the establishment of automatic payment.
~~Rate disclosed is the lowest rate available based on the establishment of automatic payment. For New Auto loans, rate disclosed includes an additional 0.25% discount with a down payment of 20% or more. Maximum loan amounts are based on 120% MSRP for New Auto Loans and 100% Kelley Blue Book Retail Value for Used Auto Loans which both may include tax, license, GAP, extended warranty or other auto related add-ons. All loans subject to approval. Certain terms and conditions apply. Rates subject to change. Call for details.
^Higher rates may apply for Personal and New or Used Auto Loans depending on loan term, collateral, member’s credit performance, and/or the cancellation of automatic payment.
***Current standard variable indexed rate as of 3/1/11, adjusted annually and is for owner-occupied product. APR may vary annually, but will not exceed 18%. Minimum and maximum line amounts are $10,000 and $400,000, respectively. Closing costs including appraisal costs, trust reviews and other third party fees estimated between $300 and $1,800 may apply. Property must be fee simple and reside in state of Hawaii. All loans subject to approval. Rates, terms and conditions subject to change without notice.

Principal Plus Certificates
Period	Minimum Deposit	APY*
6-11 months	$500	0.50%
12-17 months	$500	0.75%
18-23 months	$500	0.75%
24-29 months	$500	1.00%
30-35 months	$500	1.25%
36 months	$500	1.50%
Jumbo Principal Plus Certificates
Period	Minimum Deposit	APY*
6-11 months	$100,000	0.75%
12-17 months	$100,000	1.00%
18-23 months	$100,000	1.00%
24-29 months	$100,000	1.25%
30-35 months	$100,000	1.50%
36 months	$100,000	1.75%
Super Jumbo Principal Plus Certificates
Period	Minimum Deposit	APY*
6-11 months	$200,000	1.00%
12-17 months	$200,000	1.25%
18-23 months	$200,000	1.25%
24-29 months	$200,000	1.50%
30-35 months	$200,000	1.75%
36 months	$200,000	2.00%

IRA Certificates
Term	Minimum Deposit	APY*
12 months	$500	0.75%
24 months	$500	1.00%
36 months	$500	1.50%
Jumbo IRA Certificates
Term	Minimum Deposit	APY*
12 months	$100,000	1.00%
24 months	$100,000	1.25%
36 months	$100,000	1.75%
Super Jumbo IRA Certificates
Term	Minimum Deposit	APY*
12 months	$200,000	1.25%
24 months	$200,000	1.50%
36 months	$200,000	2.00%

Money Market Accounts
Tier	Minimum Daily Balance	APY*
First	$0 - $4,999.99	0.00%
Second	$5,000.00 - $14,999.99	0.30%
Third	$15,000.00 - $24,999.99	0.30%
Fourth	$25,000.00 - $49,999.99	0.50%
Fifth	$50,000.00 - $99,999.99	0.50%
Sixth	$100,000.00 or more	0.75%

Individual Retirement
Tier	Minimum Daily Balance	APY*
First	$0 - $4,999.99	0.30%
Second	$5,000 - $24,999.99	0.50%
Third	$25,000 or more	0.75%

Savings Accounts
	Minimum Daily Balance	APY*
Regular Savings	$25	0.30%
Keiki Savings	$5	0.30%
Christmas Savings Accounts	none	0.30%
Checking Accounts	none	0.15%

* Annual Percentage Yield (APY). APYs may change after accounts are opened and are subject to change without notice. APYs are effective as of 11/1/2011. Fees or other conditions may reduce earnings. For Certificates, an early withdrawal penalty may be imposed if withdrawal occurs before maturity.

Certain restrictions may apply.

Rates subject to change.

Loan Rates

Dividend Rates at a Glance