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All rates are effective April 1, 2014 and are subject to change without notice.

LOAN RATES SHARE RATES TERM SHARE ACCOUNT

LOANS
Loan Product Terms APR as low as*

Personal

1 year
2 years
3 years
4 years
5 years
6 years
4.00%
4.50%
5.00%
5.75%
6.25%
6.75%

Auto/Truck ‒ New
Up to 100% Financing

Auto PromoA

1 to 3 yrs
4 years
5 years
6 years
7 years
1.99%A
2.49%
2.80%
3.30%
3.90%

Auto/Truck ‒ Used
Up to 100% Financing

1 to 3 yrs
4 years
5 years
6 years
7 years
2.49%
2.99%
3.30%
3.80%
4.40%
Motorcycle ‒ New
Up to 100% Financing
1 to 3 yrs
4 years
5 years
6 years
3.90%
4.15%
4.40%
4.90%
Motorcycle ‒ Used
Up to 100% Financing
1 to 3 yrs
4 years
5 years
6 years
4.40%
4.65%
4.90%
5.40%


*Offer good from 4/1/2014 with a minimum loan amount of $500.  Rate includes a 0.25% discount for automatic payment from a Hawaii State FCU checking account. Rate will be 0.25% higher without automatic payment. Other rates and terms available, subject to credit approval.  Not for business or real estate loans.  Refinances of existing Hawaii State FCU personal loans or lines-of-credit do not qualify for the offer.  Membership in the credit union is required. Other restrictions apply.  

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.

ALimited time offer. Rate subject to change without notice. A minimum loan amount of $4000 is required. Hawaii State Federal Credit Union membership is required. Rate includes a 0.25% discount for automatic payment from a Hawaii State FCU checking account. Rate will be 0.25% higher without automatic payment from an HSFCU checking account. Cannot be combined with the Platinum Checking auto loan rate discount. A loan with a 1.99% APR will have 36 monthly payments of $28.64 per $1000.00 borrowed. This rate is the lowest available for new car purchase and refinance. Higher rates available for used vehicles. Your rate will be based on creditworthiness and length of repayment. No down payment required. Refinancing of existing Hawaii State FCU auto loans do not qualify for the offer. Certain terms and conditions apply.

 

Loan Product Revolving Credit APR as low as
Line of Credit
Revolving
6.75%*
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***

1-Year Intro Rate

2-Year Intro Rate

3-Year Intro Rate

Current Variable Index Rate

0.99%2

1.99%2

3.49%2

3.75%3

Home Equity Lines of Credit***

Up to 60% loan to value, leasehold, owner-occupied, primary residence***

6-Month Intro Rate

1-Year Intro Rate

Current Variable Index Rate

3.75%2

5.25%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 Variable Index 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, 2-year, and 3-year HELOC introductory rate valid for applications received commencing 4/1/2014 and may change at any time without notice. An initial draw of at least $5,000 and automatic payments from a HSFCU share account are required. Otherwise the applicable Current Variable Index Rate will apply. After the introductory period expires, your rate will vary and the applicable Current Variable Index 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 1-year, 2-year, or 3-year introductory rate, it will remain in effect until expiration of the introductory rate period.  Offer valid for 80% Loan-to-Value (LTV) fee simple, owner-occupied properties.
3 The Current Variable Index Rate is based on the Prime Rate plus a margin. Your margin will depend on creditworthiness. Ask us about rate limitations. The Current Variable Index Rate shown is current as of 4/1/2014 and will not exceed 18% APR. The Current Variable Index Rate has a minimum 3.75% APR for the 80% Loan-to-Value (LTV) fee simple, owner-occupied properties.
*** The minimum credit line is $10,000 and the maximum credit line is the lesser of $250,000 or 80% LTV minus the balance of your existing mortgage. The credit union waives closing costs for certain third party fees (e.g. real estate evaluation, recordation, documentation, title search, escrow, flood determination), estimated at $900 to $2500. The borrower is required to reimburse the credit union if the credit line account is paid off and closed within three (3) years of its opening. You will be required to pay other closing costs involving trust review, other legal documentation, or appraisal cost, estimated at $250 to $1950. 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.
Other terms and conditions apply. Speak to a credit union representative for more information.



Loan Product Terms APR
Mortgages#
A variety of mortgage programs are available.
15 year##
30 year##
1-3 year ARMs##
Click here for Mortgage Rates.


#
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.

 

LOAN RATES SHARE RATES TERM SHARE ACCOUNT TOP

 

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%
0.10%
0.10%
0.12%
0.15%


$2,500.00


None
Green Bucks Account 0.10% $5.00 None
Individual Retirement Account 0.35% $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 at any time without notice. Fees may reduce earnings.


LOAN RATES SHARE RATES TERM SHARE ACCOUNT TOP

 

TERM SHARE and IRA TERM SHARES
Term Share
and IRA Term Share
Annual Percentage
Yield (APY)
Minimum
Opening Deposit
6-Month Account 0.25% $1,000.00
12-Month Account 0.35% $1,000.00
24-Month Account 0.45% $1,000.00
36-Month Account 0.55% $1,000.00
48-Month Account 0.75% $1,000.00
60-Month Account 1.00% $1,000.00


The APYs are effective as of the date listed, and may change at any time without notice. An early withdrawal penalty may be imposed if withdrawal occurs before maturity. Fees may reduce earnings.

Updated by RH on 3/31/2014

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Featured Loan Rates
APR as low as *
Personal4.00%
Auto1.99%
Motorcycle3.90%
 
*Click rate for more info. These are the lowest rates available.