*Annual Percentage Rate (APR) applies to the owner-occupied HELOC. APR is the current standard variable indexed rate as of 3/1/08 and 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 be located in Hawaii. All loans subject to approval. Certain restrictions may apply. Rates, terms and conditions are subject to change without notice. Closing costs may range from $0-$250 depending upon credit limit and the amount of initial advance. Any closing cost paid by the credit union must be reimbursed should the account be closed within two years. Any amount owed can be added to the principal balance. Your most current real property tax assessment or current appraisal may be accepted. Appraisal costs, trust reviews and other third party fees may apply.

+Based on an owner-occupied, single family residential property located in the State of Hawaii. Two rate and point options are available. A 15-year fixed-rate loan at a 4.99% annual percentage rate (APR) with 2.00 points will have 180 monthly principal and interest payments of $794.03 per $100,000. Or, a 15-year fixed-rate loan at 5.19% APR with no points will have 180 monthly principal and interest payments of $804.66 per $100,000. Mortgage loan amount maximums are based on 100% of appraised value or 90% of current year State real property valuation. Rates, terms and conditions are subject to change without notice. Property insurance required. Flood insurance may be required. Certain terms, conditions, appraisal costs, trust reviews and other third party fees could apply and may affect actual APR.