1. Based on the published Annual Percentage Yield (APY) for balances up to $250,000 from the 4 largest banks based in Hawaii on 9/23/2024. Conditions differ for each institution.

2. This is a limited-time account and rates are subject to change at any time. As of 12/1/2024, the Annual Percentage Yield (APY) on daily balances up to $250,000.00 is 5.00%. For daily balances $250,000.01 and over, the APY is 0.05% on that portion of the daily balance resulting in a range of 5.00% to 0.05% APY depending on the account’s daily balance. Dividends are based on the dividend rate for the balance within each tier. A minimum of $10,000 in new funds is required to open a RBY Account. Certain terms and conditions apply. Fees may reduce earnings. Available to Hawaii residents only. Credit Union membership is required.

3. 5 Month Term Share: Minimum of $5,000 from another financial institution to open. Maximum cap of $250,000 per member.

4. 9 Month Term Share: A minimum of $1,000 to open.

Annual Percentage Yields (APYs) are as of 12/1/2024, and are subject to change without notice. A penalty may be imposed for early withdrawals. Fees may reduce earnings. The 5 Month and 9 Month Term Shares will automatically renew at maturity for a standard 6 Month Term Share at our prevailing dividend rate. Offer is not applicable to IRA Term Share Accounts. Available to Hawaii residents only. Credit union membership is required. Contact us for eligibility.

Federally insured by NCUA

* The 2-year, 3-year, 4-year, and 5-year HELOC Introductory Rates are valid for applications received commencing 12/1/2024 and may change at any time without notice. Automatic payments from a Hawaii State FCU checking 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. If you elect the 2-year, 3-year, 4-year, or 5-year Introductory Rate, it will remain in effect until expiration of the Introductory Rate period.

** The Current Variable Index Rate is based on the Prime Rate plus a margin. Your margin will depend on your property and creditworthiness. The Current Variable Index Rate shown is current as of 12/1/2024 and will not exceed 18% APR. The minimum Current Variable Index Rate is 3.75% for 80% LTV Fee-Simple Owner-Occupied Property up to $400,000 line amount.

Only improved residential property in Hawaii is accepted as collateral. Property insurance is required. Membership in the credit union is required. The credit union waives closing costs for certain third-party fees (e.g., real estate evaluation, recordation, documentation, title insurance, escrow, flood determination), estimated between $540 to $1,795 for line amounts up to $400,000. You will be required to pay other closing costs involving trust review, other legal documentation, or appraisal cost, estimated at $750 to $3,940. The borrower is required to reimburse the credit union for all waived fees if the credit line account is paid off and closed within three (3) years of its opening.

Rates, terms, and conditions are subject to change without notice. Other terms and conditions apply. Speak to a credit union representative for more information. NMLS# 405316