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All rates are effective September 1, 2010 through September 30, 2010.
Rates are subject to change without notice.
| LOANS |
| Loan Product |
Terms |
APR* |
| Personal |
1 year
2 years
3 years
4 years
5 years
6 years |
6.25% to 15.25%
6.75% to 15.75%
7.25% to 16.25%
8.00% to 17.00%
8.50% to 17.50%
9.00% to 17.75% |
Auto/Truck ‒ New
Up to 100% Financing |
1 to 3 years
4 years
5 years
6 years
7 years |
3.90% to 12.90%
4.65% to 13.65%
4.90% to 13.90%
5.40% to 14.40%
5.90% to 14.90% |
Auto/Truck ‒ Used
Up to 100% Financing |
1 to 3 years
4 years
5 years
6 years
7 years |
4.40% to 13.40%
5.15% to 14.15%
5.40% to 14.40%
5.90% to 14.90%
6.40% to 15.40% |
Motorcycle ‒ New
Up to 100% Financing |
1 to 3 years
4 years
5 years
6 years |
5.40% to 14.40%
6.15% to 15.15%
6.40% to 15.40%
6.90% to 15.90% |
Motorcycle ‒ Used
Up to 100% Financing |
1 to 3 years
4 years
5 years
6 years |
5.90% to 14.90%
6.65% to 15.65%
6.90% to 15.90%
7.40% to 16.40% |
*APR includes a 0.25% discount for automatic payment. Without automatic payment, the APR will be 0.25 percentage points higher. Your APR will be based on your creditworthiness. You will be assigned an APR that will be within the specified range. Payment Example: A loan of $10,000 with a 6.00% APR will have the following payment and total interest paid at the following loan terms:
|
Term
|
Number of Payments
|
Monthly P&I
|
Total Interest Paid
|
|
1 Year
2 Years
3 Years
4 Years
5 Years
6 Years
7 Years
|
12
24
36
48
60
72
84
|
$861.00
$443.00
$304.00
$235.00
$193.00
$165.00
$146.00
|
$326.51
$622.60
$923.45
$1,226.67
$1,539.79
$1,860.27
$2,169.69
|
No down payment required. We also offer personal share-secured and personal bridge loans. Contact a HSFCU representative for more details.
| Loan Product |
Revolving Credit |
APR |
Line of Credit
Revolving |
|
9.00% to 17.75%t1 |
Visa Platinum Rewards
Credit Card
No annual fee.tt Earn rewards for travel awards and merchandise. |
6-Month Intro Rate
After 6 months.1
|
6.9%
8.5% to 14.50%
|
Home Equity Lines of Credit***
Up to 80% loan to value, owner occupied. Up to 60% loan to value, leasehold. |
6-Month Intro Rate
1-Year Intro Rate
Current Monthly Variable Index Rate
|
3.750%2
5.250%2
3.750%3
|
Home Equity Lines of Credit***
Up to 95% loan to value, owner occupied. Up to 75% loan to value, investment properties. |
6-Month Intro Rate
1-Year Intro Rate
Current Monthly Variable Index Rate
|
3.750%2
5.250%2
5.250%3
|
| t |
|
APR includes a 0.25% discount for automatic payment. Without automatic payment, the APR will be 0.25 percentage points higher. |
| tt |
|
There is no annual fee to open this account or maintain this account. |
|
| 1 |
|
Your APR will be based on your creditworthiness. You will be assigned an APR that will be within the specified range. Your rate will vary with the Prime Rate. |
|
| 2 |
|
The 6-month (80% and 95% LTV HELOCs) and 1-year (80% and 95% LTV HELOCs) introductory rates are valid for applications received 9/1/2010 to 9/30/2010. An initial draw of at least $5,000 and automatic payments from a HSFCU share account are required. Otherwise the current Monthly Variable Index Rate will apply. After the introductory period expires, your rate will vary and the current Monthly Variable Indexed Rate will apply. This offer applies to new home equity lines of credit. If you elect the 6-month or 1-year introductory rate, it will remain in effect until expiration of the introductory rate period. |
|
| 3 |
|
The current Monthly Variable Indexed Rate is based on the Prime Rate plus a margin. Your margin will depend on creditworthiness. The current Monthly Variable Indexed Rate shown is current as of 9/1/2010 and will not exceed 18% APR. The current Monthly Variable Indexed Rate has the following minimum APRs: 3.75% for 80% LTV properties that are owner occupied, 5.25% for 95% LTV properties that are owner occupied, and 5.25% for investment properties (75% maximum LTV). |
|
| *** |
|
Your most current real property tax assessment may be accepted in lieu of an appraisal, depending on the size of your line of credit. If an appraisal or trust review is required, you will be required to pay those costs at closing, $650 to $1950. Other closing costs for third party fees, estimated at $650 to $1950, will be waived unless the line is terminated within three years. Only improved residential property in Hawaii is accepted as collateral. Property insurance is required. There is no transaction or other activity charges. Membership in the credit union is required. Rates, terms and conditions are subject to change without notice. |
|
|
|
Other terms and conditions apply. Speak to a credit union representative for more information. |
#20% down payment required.
##Payment Example. A loan of $100,000 with a 6.00% APR and no points would have the following payment and total interest paid at the following loan terms:
| Term |
Number
of Payments |
Monthly P&I### |
Total Interest Paid |
15 Years
30 Years |
180
360 |
$844
$600 |
$51,895
$115,839 |
For adjustable rate mortgages, the payment and rate are subject to adjustment. The first adjustment may occur on the one-year anniversary date for the 1-year ARM and on the three year anniversary date for the 3-year ARM.
###Monthly P&I payments do not include escrow for taxes or insurance.
| SHARES |
| Share Product |
Annual Percentage Yield (APY) |
Minimum
Opening Deposit |
Minimum
Balance Required |
| Regular Share Account |
0.50% |
$20.00 |
$100.00 |
| Investment Share Account |
|
|
|
$0 - $2,499.99
$2,500 - $24,999.99
$25,000 - $49,999.99
$50,000 - $99,999.99
$100,000 and above |
0.25%
0.50%
0.75%
1.00%
1.25% |
$2,500.00 |
None |
| Green Bucks Account |
0.50% |
$5.00 |
None |
| Individual Retirement Account |
1.00% |
$100.00 |
None |
| ShareCheck (Checking) Account |
0.25% |
$50.00
$5 with Direct Deposit |
$500.00 |
| Platinum Checking Account |
|
|
|
$0 - $9,999.99
$10,000 - $24,999.99
$25,000 - $49,999.99
$50,000 and above
|
0.10%
0.25%
0.50%
0.75% |
$2,500.00 |
$10,000.00 |
The APYs may change after accounts are opened. The APYs are effective as of the date listed, and may change monthly as determined by the Credit Union's Board of Directors. Fees may reduce earnings.
TERM SHARE and IRA TERM SHARES
|
Term Share
and IRA Term Share |
Annual Percentage
Yield (APY) |
Minimum
Opening Deposit |
| 6-Month Account |
1.25% |
$1,000.00 |
| 12-Month Account |
1.50% |
$1,000.00 |
| 2-Year Account |
1.75% |
$1,000.00 |
| 3-Year Account |
2.25% |
$1,000.00 |
| 5-Year Account |
2.75% |
$1,000.00 |
The APYs are effective as of the date listed, and may change monthly as determined by the Credit Union's Board of Directors. An early withdrawal penalty may be imposed if withdrawal occurs before maturity. Fees may reduce earnings.
Updated by AP on 8/27/2010.
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