Loan Rates


 

Personal Loan Rates

Annual Percentage Rate = APR

Loan ProductTermsAPR as low as1
Personal Loan 1 year 4.00%
Personal Loan 2 years 4.50%
Personal Loan 3 years 5.00%
Personal Loan 4 years 5.75%
Personal Loan 5 years 6.25%
Personal Loan 6 years 6.75%
1. Offer good from 5/1/2015 with a minimum loan amount of $500. APR includes a 0.25% discount for automatic payment from a Hawaii State FCU checking account. The APR will be 0.25% higher without automatic payment. 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: 12 payments of $861 and total interest paid of $326.51 for a one-year term; 24 payments of $443 and total interest paid of $622.60 for a two-year term; 36 payments of $304 and total interest paid of $923.45 for a three-year term; 48 payments of $235 and total interest paid of $1,226.67 for a four-year term; 60 payments of $193 and total interest paid of $1,539.79 for a five-year term; and 72 payments of $165 and total interest paid of $1,860.27 for a six-year term. Rates are effective 5/1/2015 and are subject to change without notice.
** Offer good with autopay. For a limited time offer.

 

Auto & Motocycle Loan Rates

Loan ProductTermsAPR as low as2Features
New Auto/Truck 1 to 3 years  2.40% Up to 100% financing
New Auto/Truck 4 years 2.65% Up to 100% financing
New Auto/Truck 5 years 2.90%
Up to 100% financing
New Auto/Truck 6 years 3.40% Up to 100% financing
New Auto/Truck 7 years 3.90% Up to 100% financing
Loan ProductTermsAPR as low as2Features
Used Auto/Truck 1 to 3 years 2.90% Up to 100% financing
Used Auto/Truck 4 years 3.15% Up to 100% financing
Used Auto/Truck 5 years 3.40% Up to 100% financing
Used Auto/Truck 6 years 3.90% Up to 100% financing
Used Auto/Truck 7 years 4.40% Up to 100% financing
Loan ProductTermsAPR as low as2Features
New Motorcycle 1 to 3 years 3.90% Up to 100% financing
New Motorcycle 4 years 4.15% Up to 100% financing
New Motorcycle 5 years 4.40% Up to 100% financing
New Motorcycle 6 years 4.90% Up to 100% financing
Loan ProductTermsAPR as low as2Features
Used Motorcycle 1 to 3 years 4.40% Up to 100% financing
Used Motorcycle 4 years 4.65% Up to 100% financing
Used Motorcycle 5 years 4.90% Up to 100% financing
Used Motorcycle 6 years 5.40% Up to 100% financing
2. APR includes a 0.25% discount for automatic payment from a Hawaii State FCU checking account. 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: 12 payments of $861 and total interest paid of $326.51 for a one-year term; 24 payments of $443 and total interest paid of $622.60 for a two-year term; 36 payments of $304 and total interest paid of $923.45 for a three-year term; 48 payments of $235 and total interest paid of $1,226.67 for a four-year term; 60 payments of $193 and total interest paid of $1,539.79 for a five-year term; 72 payments of $165 and total interest paid of $1,860.27 for a six-year term; and 84 payments of $146 and total interest paid of $2,169.69 for a seven-year term. Rates are effective 5/1/2015 and are subject to change without notice.
 

Line of Credit Rates

Loan ProductTermsAPR as low as3 
Line of credit Revolving 6.75%
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 credit worthiness and may be higher. Rates are effective 5/1/2015 and are subject to change without notice.

 

Credit Card Rates

Credit Card ProductTerms6-month intro rate4Current Variable Index Rate5
Visa® Platinum Rewards Revolving 6.90% 8.50% to 14.50% APR after 6 months
Visa Signature® Cash Rewards Revolving 6.90%  8.50% to 10.50% APR after 6 months
4. Intro-rate available for the first 6-months for purchases and balance transfers.
5. After the first six months for new accounts and all other accounts, the Current Standard Variable Index APR for purchases and balance transfers is 8.50% to 14.50% for the Visa Platinum Rewards Credit Card and 8.50% to 10.50% for the Visa Signature Cash Rewards Credit Card, based on your creditworthiness. The variable APR for Cash Advances is 8.50% to 14.50% for the Visa Platinum Rewards Credit Card and 8.50% to 10.50% for the Visa Signature Cash Rewards Credit Card, are based on your creditworthiness. The APRs are current as of 5/1/2015 and will vary with the market based on the US Prime Rate. Rates are subject to change at any time without prior notice. The Visa Platinum Rewards Credit Card has a 1% Foreign Transaction Fee.

 

Home Equity Lines of Credit (HELOC) Rates

Loan-to-Value= LTV

HELOCTermsAPR as low as
Up to 80% LTV, fee-simple, owner-occupied property6 1 year Into Rate  0.48%7
Up to 80% LTV, fee-simple, owner-occupied property6 2 year Intro Rate  1.99%
Up to 80% LTV, fee-simple, owner-occupied property6 3 year Intro Rate 3.24%7
Up to 80% LTV, fee-simple, owner-occupied property6 4 year Intro Rate 3.99%7
Up to 80% LTV, fee-simple, owner-occupied property6 5 year Intro Rate 4.99%7
Up to 80% LTV, fee-simple, owner-occupied property6 Current Variable Index Rate 3.75%8 up to $250,000 credit line
HELOCTermsAPR as low as
Up to 95% LTV, fee-simple, owner-occupied, primary residence6 6 month Intro Rate 3.75%7
Up to 95% LTV, fee-simple, owner-occupied, primary residence6 1 year Intro Rate 5.25%7
Up to 95% LTV, fee-simple, owner-occupied, primary residence6 5 year Intro Rate 6.00%7
Up to 95% LTV, fee-simple, owner-occupied, primary residence6 Current Variable Index Rate 5.25%8
Jumbo HELOCTermsAPR as low as
Up to 80% LTV, fee-simple, owner-occupied, primary residence6 1 year Into Rate  0.48%7
Up to 80% LTV, fee-simple, owner-occupied, primary residence6 2 year Intro Rate  1.99%
Up to 80% LTV, fee-simple, owner-occupied, primary residence6 3 year Intro Rate 3.24%7
Up to 80% LTV, fee-simple, owner-occupied, primary residence6 4 year Intro Rate 3.99%7
Up to 80% LTV, fee-simple, owner-occupied, primary residence6 5 year Intro Rate 4.99%7
Up to 80% LTV, fee-simple, owner-occupied, primary residence6 Current Variable Index Rate 4.25%8 up to $500,000 credit line
HELOCTermsAPR as low as
Up to 75% LTV, fee-simple, investment property6 6 month Intro Rate 3.75%7
Up to 75% LTV, fee-simple, investment property6 1 year Intro Rate 5.25%7
Up to 75% LTV, fee-simple, investment property6 5 year Intro Rate 6.00%7
Up to 75% LTV, fee-simple, investment property6 Current Variable Index Rate 5.25%8
HELOCTermsAPR as low as
Up to 60% LTV, leasehold, owner-occupied, primary residence6 6 month Intro Rate 3.75%7
Up to 60% LTV, leasehold, owner-occupied, primary residence6 1 year Intro Rate 5.25%7
Up to 60% LTV, leasehold, owner-occupied, primary residence6 5 year Intro Rate 6.00%7
Up to 60% LTV, leasehold, owner-occupied, primary residence6 Current Variable Index Rate 3.75%8

6. The minimum credit line is $10,000 and the maximum credit lines are as follows:

  • 80% LTV Fee-Simple Owner-Occupied Property, the lesser of $250,000 or 80% LTV minus the balance of your existing mortgage;
  • 95% LTV Fee-Simple Owner-Occupied Primary Residence, lesser of $150,000 or 95% LTV minus the balance of your existing mortgage when your existing mortgage is secured by Hawaii State FCU or lesser of $100,000 or 95% LTV minus the balance of your existing mortgage when your existing mortgage is with another lender;
  • Jumbo HELOC, the lesser of 80% LTV minus the balance of your existing mortgage for primary residences, up to $500,000 line amounts when your existing mortgage is secured by Hawaii State FCU and the lesser of 75% LTV minus the balance of your existing mortgage for primary residences, up to $400,000 line amounts when your existing mortgage is with another lender;
  • 75% LTV Fee Simple Investment Property, lesser of $200,000 or 75% LTV minus the balance of your existing mortgage; and
  • 60% LTV Leasehold Owner-Occupied Primary Residence, the lesser of $200,000 or 60% LTV minus the balance of your existing mortgage.
7. The 1-year, 2-year, 3-year, 4-year, and 5-year HELOC Introductory Rates are valid for applications received commencing 5/1/2015 and may change at any time without notice. An initial draw of at least $5,000 and 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. This offer applies to new Home Equity Lines of Credit. Refinancing of existing Hawaii State FCU Home Equity Lines of Credit is not allowed. If you elect the 1-year, 2-year, 3-year, 4-year, and 5-year Introductory Rate, it will remain in effect until expiration of the Introductory Rate period.

8. The Current Variable Index Rate is based on the Prime Rate plus a margin. Your margin will depend on creditworthiness. The Current Variable Index Rate shown is current as of 5/1/2015 and will not exceed 18% APR. The minimum Current Variable Index Rate is as follows:

  • 3.75% for 80% LTV Fee-Simple Owner-Occupied Property up to $250,000 line amount
  • 5.25% for 95% LTV Fee-Simple Owner-Occupied Primary Residences
  • 4.25% for Jumbo HELOC Fee-Simple Owner-Occupied Primary Residences over $250,000 line amount
  • 5.25% for 75% LTV Fee Simple Investment Property
  • 3.75% for 60% LTV Leasehold Owner-Occupied Primary Residence

For credit lines up to $250,000, Hawaii State FCU will waive closing costs for certain third party fees (e.g. recordation, documentation, escrow, flood determination, real estate evaluation, title insurance), estimated between $900 to $2,500; you will be required to pay other closing costs involving appraisal, trust review, and other legal documentation, estimated between $250 to $1,950. For credit lines greater than $250,000, Hawaii State FCU will waive closing costs for certain third party fees (e.g. recordation, documentation, escrow, flood determination), estimated between $75 and $600; you will berequired to pay other closing costs for appraisal, trust review, other legal documentation, and title insurance, estimated between $1,300 and $3,000. You will be required to reimburse Hawaii State FCU for all waived fees if the credit line account is paid off and closed within three (3) years after its opening. Property insurance is required. There is no transaction or other activity charge. Property insurance is required.

 

Photovoltaic (PV) Loan Rates

Loan ProductTermsAPR11
PV Loan Promotion** First 24 months 0.00%
PV Loan Promotion** Months 25 to 96 6.75%
7.50%
7.75%
11. The Photo Voltaic (PV) Loan program features 0% interest rate and no payments for the first 24 months with a subsequent interest rate of 6.75%, 7.50%, or 7.75% for the remaining 6 years based on your creditworthiness. The blended APR over the entire 96 month term of the loan is 3.980%, 4.410% or 4.553%, respectively. The interest rates include a 0.25% discount for establishing auto-pay from an HSFCU checking account at the time of loan origination. The interest rate will be 0.25%higher and the blended APR’s will be 0.143% higher without the discount.
A loan of $30,000 with a 6.75% interest rate will have: 72 payments of $507.88 and total interest paid of $6,567.10. A loan of $30,000 with a 7.50% interest rate will have: 72 payments of $518.70 and total interest paid of $7,346.64. A loan of $30,000 with a 7.75% interest rate will have: 72 payments of $522.34 and total interest paid of $7,608.68.
These are estimates only. Speak to a Hawaii State FCU loan representative at any branch for more information, or call (808) 587-2700.
**The PV Loan program is available only for PV systems installed by participating contractors. The maximum loan amount is $50,000 and is subject to approval. A contractor’s participation in the Hawaii State FCU PV loan program does not imply endorsement of the contractor by Hawaii State FCU. The PV Loan program is not applicable for refinancing of existing loans for PV systems, is subject to change, and may end at any time. Membership in Hawaii State Federal Credit Union is required. No prepayment penalty. Rates are subject to change at any time without prior notice.
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