|
All rates are effective February 1, 2012 through February 29, 2012.
Rates are subject to change without notice.
| LOANS |
| Loan Product |
Terms |
APR as low as* |
| Personal |
1 year
2 years
3 years
4 years
5 years
6 years |
5.00%
5.50%
6.00%
6.75%
7.25%
7.75%
|
Auto/Truck ‒ New
Up to 100% Financing |
1 to 3 yrs
4 years
5 years
6 years
7 years |
2.90%
3.15%
3.40%
3.90%
4.40%
|
Auto/Truck ‒ Used
Up to 100% Financing |
1 to 3 yrs
4 years
5 years
6 years
7 years |
3.40%
3.65%
3.90%
4.40%
4.90%
|
Motorcycle ‒ New
Up to 100% Financing |
1 to 3 yrs
4 years
5 years
6 years |
4.40%
4.65%
4.90%
5.40%
|
Motorcycle ‒ Used
Up to 100% Financing |
1 to 3 yrs
4 years
5 years
6 years |
4.90%
5.15%
5.40%
5.90%
|
*APR includes a 0.25% discount for automatic payment. Without automatic payment, the APR will be 0.25 percentage points higher. These are the lowest APRs available. Your APR will be based on your creditworthiness. 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 as low as
|
Line of Credit
Revolving |
|
7.75%* |
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, fee-simple, owner-occupied properties***
Up to 60% loan to value, leasehold, owner-occupied, primary residence*** |
6-Month Intro Rate
1-Year Intro Rate
2-Year Intro Rate
Current Monthly Variable Rate
|
0.99%2
1.49%2
1.99%2
3.75%3
|
Home Equity Lines of Credit***
Up to 95% loan to value, fee-simple, owner-occupied, primary residence***
Up to 75% loan to value, fee-simple, investment properties*** |
6-Month Intro Rate
1-Year Intro Rate
Current Monthly Variable Rate
|
3.75%2
5.25%2
5.25%3
|
| * |
|
APR includes a 0.25% discount for automatic payment. Without automatic payment, the APR will be 0.25 percentage points higher. This is the lowest rate available. Your APR will be based on your creditworthiness and may be higher.
|
| tt |
|
There is no annual fee to open this account or maintain this account. |
|
| 1 |
|
Your current 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, 1-year and 2-year HELOC introductory rates are valid for applications received 2/1/2012 to 2/29/2012. An initial draw of at least $5,000 and automatic payments from a HSFCU share account are required. Otherwise the applicable Current Monthly Variable Rate will apply. After the introductory period expires, your rate will vary and the applicable Current Monthly Variable Rate will apply. This offer applies to new Home Equity Lines of Credit. Refinancing of existing HSFCU Home Equity Lines of Credit are not allowed. If you elect the 6-month, 1-year or 2-year introductory rate, it will remain in effect until expiration of the introductory rate period. |
|
| 3 |
|
The Current Monthly Variable Rate is based on the Prime Rate plus a margin. Your margin will depend on creditworthiness. Ask us about rate limitations. The Current Monthly Variable Rate shown is current as of 01/1/2012 and will not exceed 18% APR. The Current Monthly Variable Rate has a minimum 3.75% APR for the 80% LTV fee-simple, owner-occupied properties and the 60% LTV leasehold, owner-occupied, primary residence properties. The Current Monthly Variable Rate has a minimum 5.25% APR for the 95% LTV fee-simple, owner-occupied, primary residence properties and the 75% LTV fee-simple, investor properties. |
|
| *** |
|
Minimum credit line is $10,000. Maximum credit lines are as follows:
- Fee-simple, owner-occupied HELOC: The lesser of $250,000 or 80% LTV minus the balance of your existing mortgage.
- Investor HELOC: The lesser of $200,000 or 75% LTV minus the balance of your existing mortgage.
- Leasehold HELOC: The lesser of $200,000 or 60% LTV minus the balance of your existing mortgage.
- 95% LTV fee-simple, owner-occupied HELOC: The lesser of $100,000 or 95% LTV minus the balance of your existing mortgage.
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 |
0.10% |
$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 |
0.05%
0.15%
0.15%
0.25%
0.30% |
$2,500.00 |
None |
| Green Bucks Account |
0.10% |
$5.00 |
None |
| Individual Retirement Account |
0.60% |
$100.00 |
None |
| ShareCheck (Checking) Account |
0.05% |
$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
|
0.05%
0.05%
0.10%
0.15% |
$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 |
0.40% |
$1,000.00 |
| 12-Month Account |
0.50% |
$1,000.00 |
| 24-Month Account |
0.75% |
$1,000.00 |
| 36-Month Account |
1.05% |
$1,000.00 |
| 48-Month Account |
1.25% |
$1,000.00 |
| 60-Month Account |
1.50% |
$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 TB on 1/30/2012.
|
