Loan Rates

Click here for AUTO LOAN SPECIAL!
Product APR* TERM**
Personal ($25,000 max)**~ As low as 5.75% Up to 2 years

As low as 6.25% Up to 3 years

As low as 6.75% Up to 4 years

As low as 7.25% Up to 5 years
New Auto~^ As low as 1.74% Up to 3 years

As low as 2.24% Up to 4 years

As low as 2.74% Up to 5 years
($15,000+) As low as 3.74% Up to 6 years
($20,000+) As low as 4.74% Up to 7 years
Used Auto~^
As low as 2.24% Up to 3 years

As low as 2.74% Up to 4 years

As low as 3.24% Up to 5 years
($15,000+) As low as 4.24% Up to 6 years
($20,000+) As low as 4.74% Up to 7 years
New Motorcycle~~^ As low as 2.74% Up to 2 years

As low as 3.24% Up to 3 years

As low as 4.24% Up to 4 years
($15,000+) As low as 5.24% Up to 5 years
Used Motorcycle~~^
As low as 3.24% Up to 2 years

As low as 3.74% Up to 3 years

As low as 4.74% Up to 4 years
($15,000+) As low as 5.74% Up to 5 years
Credit Cards      Click Here for CREDIT CARD DISCLOSURES


Hickam FCU Platinum MasterCard®
7.90%
Hickam FCU Gold MasterCard®
9.90%
Hickam FCU Classic MasterCard®
11.90%
Other Loans

Home Equity Line of Credit*** 4.00%
Education Loan**** 3.00%
Overdraft Protection ($5,000 max) 12.00%  
Line of Credit ($10,000 max) 11.50%  
Savings Secured** 2.65% Up to 6 years

*Annual Percentage Rate.
**This is a closed-end loan. Terms indicated are for payment calculation only. Payment Examples: A Personal Loan of $10,000 for two years at 5.75% APR will have a monthly payment of $442.11. A Savings Secured Loan of $10,000 for six years at 2.65% APR will have a monthly payment of $150.39.
~APR disclosed is the lowest rate available.
~^Annual Percentage Rate (APR) disclosed is the best rate available based on a 36-month term for New Auto and includes a 0.25% APR discount for set up of AUTOMATIC PAYMENT, a 0.25% APR discount for ONLINE LOAN APPLICATION, and a down payment of 20% or more. Higher rates may apply depending on loan term, collateral, member’s credit performance, and/or the cancellation of automatic payment. 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. For a $20,000 auto loan at 1.74% APR, the monthly payment would be $570.63 for a new auto loan with 36-month term. All loans are subject to approval. Certain terms and conditions apply. Rates subject to change. Call for details.
~~^Annual Percentage Rate (APR) disclosed is the best rate available based on a 36-month term and includes a 0.25% APR discount for set up of AUTOMATIC PAYMENT, a 0.25% APR discount for ONLINE LOAN APPLICATION. Maximum loan amounts are based on 100% MSRP for New Motorcycle Loans which may include tax, license, GAP, extended warranty or other related add-ons. Proper licensing and insurance must be maintained. The monthly payment amount for a $15,000 new motorcycle loan with a 36-month term would be $437.85. Higher rates may apply depending on loan term, collateral, member's credit performance, and/or the cancellation of automatic payment. All loans are subject to approval. Certain terms and conditions apply. Other rate and terms are available. Rates subject to change.
^Higher rates may apply for Personal and New or Used Auto Loans depending on loan term, collateral, member’s credit performance, applications submitted other than online, and/or the cancellation of automatic payment.
***Current standard variable indexed rate as of 3/1/15, 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. For a limited time up to 100% loan-to-value financing. 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.
****Annual Percentage Rate (APR) is 3.00% APR effective 5/1/2016 to 12/31/2016, for up to 15-month Education Loan, with final payment no later than 8/31/2017 for current school year. Minimum loan amount is $1,000. Maximum loan amount is $25,000. Loan proceeds for school invoice: tuition and other costs disbursed directly to your school, and remaining amounts to borrower. Finance charges will accrue from the disbursement date. For an Education Loan, the monthly payment amount for a $10,000 loan with 12 monthly payments would be $846.97. Automatic payment through a Hickam FCU deposit account required. No refinancing of existing Hickam FCU loans and no other discounts apply. All loans are subject to approval. Certain terms and conditions apply. Offer good thru 12/31/2016. Other rates and terms available.  

Mortgage Rates

Product Rate  Points
APR* Monthly P&I Payment
 
20-Year Fixed 1st Mortgage

240 Monthly Payments

3.000%

2.000
3.285%
 $5.55 per $1,000 borrowed

3.375%

0.000
3.375%
$5.74 per $1,000 borrowed
 
15-Year Fixed 1st Mortgage

180 Monthly Payments
 
3.000%

 2.000  3.285%  $6.91 per $1,000 borrowed
 
3.375%

 0.000  3.375%

 $7.09 per $1,000 borrowed 

Interest rates updated as of 1/21/2015.

*The Annual Percentage Rate (APR) is based on a loan amount of $100,000.00 for an owner occupant of a single family dwelling or condo, purchased or refinanced, with a FICO score of 660 or higher. Payment (principal and interest) does not include property taxes or insurance.  Maximum loan amount is $625,500.00 for a single-family dwelling or condo.
 
Your actual rate and points may vary depending on your credit history/score and non-owner occupant status. Subject to credit approval and satisfaction of all eligibility requirements. Full income documentation is required.  Real property must be in the State of Hawaii.  There is no prepayment penalty.  For a limited time up to 100% loan-to-value financing. Other rates and terms available.  Certain restrictions and fees may apply.

Rates and terms are subject to change or cancellation without notice. 

Dividend Rates

Principal Plus Certificates
Period Minimum Deposit APY*
6-11 months $500 0.35%
12-17 months $500 0.80%
18-23 months $500 0.80%
24-29 months $500 0.95%
30-35 months $500 0.95%
36-59 months $500 1.15%
60 months $500 1.60%
Jumbo Principal Plus Certificates
Period Minimum Deposit APY*
6-11 months $100,000 0.45%
12-17 months $100,000 0.85%
18-23 months $100,000 0.85%
24-29 months $100,000 1.00%
30-35 months $100,000 1.00%
36-59 months $100,000 1.20%
60 months $100,000 1.65%
Super Jumbo Principal Plus Certificates
Period Minimum Deposit APY*
6-11 months $200,000 0.50%
12-17 months $200,000 0.90%
18-23 months $200,000 0.90%
24-29 months $200,000 1.05%
30-35 months $200,000 1.05%
36-59 months $200,000 1.25%
60 months $200,000 1.70%

IRA Certificates
Term Minimum Deposit APY*
12 months $500 0.80%
24 months $500 0.95%
36 months $500 1.15%
60 months $500 1.60%
Jumbo IRA Certificates
Term Minimum Deposit APY*
12 months $100,000 0.85%
24 months $100,000 1.00%
36 months $100,000 1.20%
60 months $100,000 1.65%
Super Jumbo IRA Certificates
Term Minimum Deposit APY*
12 months $200,000 0.90%
24 months $200,000 1.05%
36 months $200,000 1.25%
60 months $200,000 1.70%

Money Market Accounts
Tier Minimum Daily Balance APY*
First $0 - $4,999.99 0.00%
Second $5,000.00 - $14,999.99 0.15%
Third $15,000.00 - $24,999.99 0.15%
Fourth $25,000.00 - $49,999.99 0.20%
Fifth $50,000.00 - $99,999.99 0.25%
Sixth $100,000.00 or more 0.30%






Individual Retirement
Tier Minimum Daily Balance APY*
First $0 - $4,999.99 0.20%
Second $5,000 - $24,999.99 0.25%
Third $25,000 or more 0.30%

Savings Accounts

Minimum Daily Balance APY*
Regular Savings $25 0.15%
Keiki Savings $5 0.15%
Christmas Savings Accounts none 0.15%
Checking Accounts none 0.05%

* Annual Percentage Yield (APY). APYs may change after accounts are opened and are subject to change without notice. APYs are effective as of 2/1/2016. 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.