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Loan Rates
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PRODUCT
|
APR*
|
TERM**
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|
Savings Secured
|
3.00%
|
6 years
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Personal ($25,000 max)**~^
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As low as 6.75%
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Up to 2 years
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|
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As low as 7.25%
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Up to 3 years
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As low as 7.75%
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Up to 4 years
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As low as 8.25%
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Up to 5 years
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Home Equity Line of Credit***
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4.99%
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New Auto~~^
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As low as 3.25%
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Up to 3 years
|
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As low as 3.75%
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Up to 4 years
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As low as 4.25%
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Up to 5 years
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|
($15,000+)
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As low as 5.25%
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Up to 6 years
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($20,000+)
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As low as 6.25%
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Up to 7 years
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Used Auto~~^
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As low as 3.75%
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Up to 3 years
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As low as 4.25%
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Up to 4 years
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As low as 5.25%
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Up to 5 years
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($15,000+)
|
As low as 6.25%
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Up to 6 years
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|
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Overdraft Protection ($5,000 max)
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11.00%
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|
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Line of Credit ($10,000 max)
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9.50%
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Credit Cards
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Visa Platinum
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7.90%
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Visa Gold
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9.90%
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Visa Classic
|
11.90%
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|
*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. ~~APR disclosed is
the lowest rate available for New Auto
Loan and includes both a 0.25% APR
discount for automatic payment and an
additional 0.25% discount for a down
payment of 20% or more. For used
vehicles with up to Kelley Blue Book
Wholesale Value. Maximum loan amounts
are based on 130% MSRP for New Auto
Loans and 110% 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
3/1/08, 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 $200,000, respectively.
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.
Dividend Rates at a Glance
|
Principal Plus Certificates
|
|
Period
|
Minimum Deposit
|
APY*
|
|
6-11 months
|
$500
|
2.50%
|
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12-17 months
|
$500
|
2.75%
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18-23 months
|
$500
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2.75%
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24-29 months
|
$500
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2.90%
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30-35 months
|
$500
|
3.00%
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36 months
|
$500
|
4.00%
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Jumbo Principal Plus Certificates
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|
Period
|
Minimum Deposit
|
APY*
|
|
6-11 months
|
$100,000
|
2.75%
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12-17 months
|
$100,000
|
3.00%
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18-23 months
|
$100,000
|
3.00%
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24-29 months
|
$100,000
|
3.15%
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30-35 months
|
$100,000
|
3.25%
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36 months
|
$100,000
|
4.25%
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Super Jumbo Principal Plus Certificates
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|
Period
|
Minimum Deposit
|
APY*
|
|
6-11 months
|
$200,000
|
3.00%
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12-17 months
|
$200,000
|
3.25%
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|
18-23 months
|
$200,000
|
3.25%
|
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24-29 months
|
$200,000
|
3.40%
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30-35 months
|
$200,000
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3.50%
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36 months
|
$200,000
|
4.50%
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IRA Certificates
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|
Term
|
Minimum Deposit
|
APY*
|
|
12 months
|
$500
|
2.75%
|
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24 months
|
$500
|
2.90%
|
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36 months
|
$500
|
4.00%
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|
Jumbo IRA Certificates
|
|
Term
|
Minimum Deposit
|
APY*
|
|
12 months
|
$100,000
|
3.00%
|
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24 months
|
$100,000
|
3.15%
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36 months
|
$100,000
|
4.25%
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Super Jumbo IRA Certificates
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|
Term
|
Minimum Deposit
|
APY*
|
|
12 months
|
$200,000
|
3.25%
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24 months
|
$200,000
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3.40%
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36 months
|
$200,000
|
4.50%
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Money Market Accounts
|
|
Tier
|
Average Daily Balance
|
APY*
|
|
First
|
$0 - $4,999.99
|
0.00%
|
|
Second
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$5,000.00 - $14,999.99
|
0.75%
|
|
Third
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$15,000.00 - $24,999.99
|
1.00%
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Fourth
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$25,000.00 - $49,999.99
|
1.50%
|
|
Fifth
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$50,000.00 - $99,999.99
|
2.00%
|
|
Sixth
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$100,000.00 - $149,999.99
|
2.00%
|
|
Seventh
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$150,000.00 - $199,999.99
|
2.50%
|
|
Eighth
|
$200,000.00 or more
|
3.00%
|
|
|
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Individual Retirement
|
|
Tier
|
Minimum
|
APY*
|
|
First
|
$0 - $4,999.99
|
1.00%
|
|
Second
|
$5,000 - $24,999.99
|
1.25%
|
|
Third
|
$25,000 or more
|
1.50%
|
|
Savings Accounts
|
|
|
Minimum
|
APY*
|
|
Regular Savings
|
$25
|
0.50%
|
|
|
|
|
|
Keiki Savings
|
$5
|
0.50%
|
|
|
|
|
|
Christmas Savings Accounts
|
none
|
0.50%
|
|
|
|
|
|
Checking Accounts
|
none
|
1.00%
|
* Annual Percentage Yield (APY). APYs
may change after accounts are opened
and are subject to change without
notice. APYs are effective as of the
date listed as updated. 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.
Updated by
Mktg
on
07/16/2008 14:50:00
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