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Loan Rates
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PRODUCT
|
APR*
|
TERM**
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|
Savings Secured
|
3.00%
|
6 years
|
|
|
|
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Personal ($25,000 max)**~^
|
As low as 6.75%
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Up to 2 years
|
|
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As low as 7.25%
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Up to 3 years
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|
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As low as 7.75%
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Up to 4 years
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|
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As low as 8.25%
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Up to 5 years
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|
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Home Equity Line of Credit***
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4.00%
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New Auto~~^
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As low as 2.99%
|
Up to 3 years
|
|
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As low as 3.49%
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Up to 4 years
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As low as 3.99%
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Up to 5 years
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|
($15,000+)
|
As low as 4.99%
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Up to 6 years
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($20,000+)
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As low as 5.99%
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Up to 7 years
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Used Auto~~^
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As low as 2.99%
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Up to 3 years
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As low as 3.49%
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Up to 4 years
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|
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As low as 3.99%
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Up to 5 years
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|
($15,000+)
|
As low 4.99%
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Up to 6 years
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|
($20,000+)
|
As low as 5.49%
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Up to 7 years
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|
Overdraft Protection ($5,000 max)
|
12.00%
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|
|
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Line of Credit ($10,000 max)
|
11.50%
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Credit Cards
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|
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Visa Platinum
|
7.90%
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|
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Visa Gold
|
9.90%
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|
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Visa Classic
|
11.90%
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|
*Annual Percentage Rate. **This is an
open-end loan. Terms indicated are for
payment calculation only. ~APR
disclosed is the lowest rate available
based on the establishment of
automatic payment. ~~Rate disclosed is
the lowest rate available based on the
establishment of automatic payment.
For New Auto loans, rate disclosed
includes an additional 0.25% discount
with a down payment of 20% or more.
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. All loans
subject to approval. Certain terms and
conditions apply. Rates subject to
change. Call for details. ^Higher
rates may apply for Personal and New
or Used Auto Loans depending on loan
term, collateral, member’s credit
performance, and/or the cancellation
of automatic payment. ***Current
standard variable indexed rate as of
3/1/10, 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 $200,000, respectively.
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.
Dividend Rates at a Glance
|
Principal Plus Certificates
|
|
Period
|
Minimum Deposit
|
APY*
|
|
6-11 months
|
$500
|
1.25%
|
|
12-17 months
|
$500
|
1.50%
|
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18-23 months
|
$500
|
1.50%
|
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24-29 months
|
$500
|
1.75%
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30-35 months
|
$500
|
1.75%
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36 months
|
$500
|
2.00%
|
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Jumbo Principal Plus Certificates
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|
Period
|
Minimum Deposit
|
APY*
|
|
6-11 months
|
$100,000
|
1.50%
|
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12-17 months
|
$100,000
|
1.75%
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18-23 months
|
$100,000
|
1.75%
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24-29 months
|
$100,000
|
2.00%
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30-35 months
|
$100,000
|
2.00%
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36 months
|
$100,000
|
2.25%
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Super Jumbo Principal Plus Certificates
|
|
Period
|
Minimum Deposit
|
APY*
|
|
6-11 months
|
$200,000
|
1.75%
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12-17 months
|
$200,000
|
2.00%
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|
18-23 months
|
$200,000
|
2.00%
|
|
24-29 months
|
$200,000
|
2.25%
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|
30-35 months
|
$200,000
|
2.25%
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36 months
|
$200,000
|
2.50%
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IRA Certificates
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|
Term
|
Minimum Deposit
|
APY*
|
|
12 months
|
$500
|
1.50%
|
|
24 months
|
$500
|
1.75%
|
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36 months
|
$500
|
2.00%
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Jumbo IRA Certificates
|
|
Term
|
Minimum Deposit
|
APY*
|
|
12 months
|
$100,000
|
1.75%
|
|
24 months
|
$100,000
|
2.00%
|
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36 months
|
$100,000
|
2.25%
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|
Super Jumbo IRA Certificates
|
|
Term
|
Minimum Deposit
|
APY*
|
|
12 months
|
$200,000
|
2.00%
|
|
24 months
|
$200,000
|
2.25%
|
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36 months
|
$200,000
|
2.50%
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Money Market Accounts
|
|
Tier
|
Average Daily Balance
|
APY*
|
|
First
|
$0 - $4,999.99
|
0.00%
|
|
Second
|
$5,000.00 - $14,999.99
|
0.50%
|
|
Third
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$15,000.00 - $24,999.99
|
0.50%
|
|
Fourth
|
$25,000.00 - $49,999.99
|
1.00%
|
|
Fifth
|
$50,000.00 - $99,999.99
|
1.00%
|
|
Sixth
|
$100,000.00 - $149,999.99
|
1.50%
|
|
Seventh
|
$150,000.00 - $199,999.99
|
1.50%
|
|
Eighth
|
$200,000.00 or more
|
1.75%
|
|
|
|
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Individual Retirement
|
|
Tier
|
Minimum
|
APY*
|
|
First
|
$0 - $4,999.99
|
1.00%
|
|
Second
|
$5,000 - $24,999.99
|
1.25%
|
|
Third
|
$25,000 or more
|
1.50%
|
|
Savings Accounts
|
|
|
Minimum
|
APY*
|
|
Regular Savings
|
$25
|
0.50%
|
|
|
|
|
|
Keiki Savings
|
$5
|
0.50%
|
|
|
|
|
|
Christmas Savings Accounts
|
none
|
0.50%
|
|
|
|
|
|
Checking Accounts
|
none
|
0.25%
|
* Annual Percentage Yield (APY). APYs
may change after accounts are opened
and are subject to change without
notice. APYs are effective as of
6/17/2010. 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.
Updated by
osicc
on
07/21/2010 20:31:23
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