Rates

Regular Share & IRA

heDDER	heDDER	heDDER	heDDER
Product	Min. Opening Deposit	Min. Daily Balance to Earn APY	APY¹
Regular Share	$20	None	0.05%
Individual Retirement Account	$100	None	0.20%

Important disclosure

Disclosures

1. The Annual Percentage Yield (APY) may change at any time without notice. Fees may reduce earnings.

Rates effective November 30, 2025

Right By You Savings

Applies to Existing Accounts Only. This account is no longer offered as of October 1, 2025.

heDDER	heDDER	heDDER	heDDER
Balance	Min. Opening Deposit	Min. Daily Balance to Earn APY	APY¹
$0-$250,000.00	$10,000	None	3.25%
$250,000.01 and above	$10,000	$250,000.01	0.05%

Important disclosure

Disclosures

1. This is a limited-time account and rates are subject to change at any time. Annual Percentage Yield (APY) on daily balances up to $250,000.00 is 3.25%. 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 3.25% to 0.05% APY depending on the account’s daily balance. 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.

Rates effective 12/01/2025

Relationship MAX℠ Share

heDDER	heDDER	heDDER	heDDER
Balance	Min. Opening Deposit	Min. Daily Balance to Earn APY	APY¹
$0 - $24,999.99	$2,500.00	None	0.05%
$25,000 - $49,999.99	$2,500.00	$25,000.00	0.05%
$50,000 - $99,999.99	$2,500.00	$50,000.00	1.00%
$100,000 - $249,999.99	$2,500.00	$100,000.00	2.00%
$250,000 - $499,999.99	$2,500.00	$250,000.00	2.00%
$500,000 or greater	$2,500.00	$500,000.00	2.00%

Important disclosure

Disclosures

1. The Relationship MAX Share is a tiered rate account requiring a Relationship Checking account. The APY for the applicable balance tier applies to the entire account balance each day. APY is subject to change without notice, and fees may reduce earnings.

Rates effective November 30, 2025

Investment Share

heDDER	heDDER	heDDER	heDDER
Balance	Min. Opening Deposit	Min. Daily Balance to Earn APY	APY¹
$0-$2,499.99	$2,500	None	0.05%
$2,500- $24,999.99	$2,500	$2,500	0.07%
$25,000- $49,999.99	$2,500	$25,000	0.18%
$50,000- $99,999.99	$2,500	$50,000	0.18%
$100,000 and above	$2,500	$100,000	0.18%

Important disclosure

Disclosures

1. The Investment Share Account, is a tiered rate account. To determine the APY that will apply to your account, refer to the appropriate tier that applies to your account average daily balance for the month. When a particular average daily balance range is met, the APY will apply to the full balance in that account. The Annual Percentage Yield (APY) for each tier is subject to change at any time without notice. Fees may reduce earnings.

Rates effective November 30, 2025

Term Share

heDDER	heDDER	heDDER
Terms	Min. Opening Deposit	APY
5-Month	$5,000¹	3.50%
6-Month	$1,000	0.15%
9-Month	$1,000²	3.25%
12-Month	$1,000	0.20%
24-Month	$1,000	0.25%
36-Month	$1,000	0.25%
48-Month	$1,000	0.30%
60-Month	$1,000	0.65%

Important disclosure

Disclosures

1. 5 Month Term Share: Minimum to open and earn Annual Percentage Yield is $5,000. Opening deposit must be from another financial institution.

2. 9 Month Term Share: Minimum to open and earn Annual Percentage Yield is $1,000.

Annual Percentage Yields (APYs) are subject to change without notice. A penalty may be imposed for early withdrawals. Fees may reduce earnings. Offer is not applicable to IRA Term Share Accounts. Available to Hawaii residents only. Credit union membership is required. Contact us for eligibility.

Rates effective 12/01/2025

Checking

Dividend Checking

heDDER	heDDER	heDDER
Min. Opening Deposit	Min. Daily Balance to Earn APY	APY¹
$50 or $5 with Direct Deposit	None	0.02%

Important disclosure

Disclosures

1. The Annual Percentage Yield (APY) may change after the account is opened and is subject to change at any time without notice. Fees may reduce earnings.

Rates effective November 30, 2025

Relationship Checking

heDDER	heDDER	heDDER	heDDER
Balance	Min. Opening Deposit	Min. Daily Balance to Earn APY	APY¹
$0 - $9,999.99	$2,500.00	None	0.02%
$10,000 - $24,999.99	$2,500.00	$10,000.00	0.02%
$25,000 - $49,999.99	$2,500.00	$25,000.00	0.02%
$50,000 and above	$2,500.00	$50,000.00	0.03%

Important disclosure

Disclosures

1. The Relationship Checking Account offers tiered rates based on your average daily balance for the month. The APY for the applicable tier applies to the entire account balance. Rates are subject to change without notice, and fees may reduce earnings.

Effective November 30, 2025

Auto

New Auto Loan

Up to 100% financing

heDDER	heDDER
Terms	APR as low as¹
1–3 years	5.75%
4 years	5.85%
5 years	5.99%
6 years	6.24%
7 years	6.75%

Important disclosure

Disclosures

1. APR includes a 0.25% discount for automatic payments from a Hawaii State FCU checking account. Without this, the APR will be 0.25% higher, potentially increasing monthly payments. Final APR depends on creditworthiness and may vary. Rates subject to change. Must be a Hawaii resident.

Rates effective 12/01/2025

Payment Example: A loan of $10,000 with a 6.00% APR will have: 12 payments of $861 for a one-year term; 24 payments of $443 for a two-year term; 36 payments of $304 for a three-year term; 48 payments of $235 for a four-year term; 60 payments of $193 for a five-year term; 72 payments of $165 for a six-year term; and 84 payments of $146 for a seven-year term.

Used Auto Loan

Up to 100% financing

heDDER	heDDER
Terms	APR as low as¹
1–3 years	6.50%
4 years	6.60%
5 years	6.74%
6 years	6.99%
7 years	7.50%

Important disclosure

Disclosures

Rates effective 12/01/2025

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.

New Motorcycle Loan

Up to 100% financing

heDDER	heDDER
Terms	APR as low as¹
1–3 years	7.25%
4 years	7.40%
5 years	7.49%
6 years	7.74%

Important disclosure

Disclosures

1. APR includes a 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account. Without automatic payment, the APR will be 0.25 percentage point higher and may result in higher monthly payments. Actual APR will be based on your creditworthiness and may be higher. Rates are subject to change without notice. Must be a Hawaii resident.

Rates effective 12/01/2025

Payment Example: A loan of $10,000 with a 7.49% APR will have: 12 payments of $868 for a one-year term; 24 payments of $450 for a two-year term; 36 payments of $311 for a three-year term; 48 payments of $242 for a four-year term; 60 payments of $200 for a five-year term; and 72 payments of $173 for a six-year term.

Used Motorcycle Loan

Up to 100% financing

heDDER	heDDER
Terms	APR as low as¹
1–3 years	8.00%
4 years	8.10%
5 years	8.24%
6 years	8.49%

Important disclosure

Disclosures

Rates effective 12/01/2025

Payment Example: A loan of $10,000 with a 8.24% APR will have: 12 payments of $871 for a one-year term; 24 payments of $453 for a two-year term; 36 payments of $314 for a three-year term; 48 payments of $245 for a four-year term; 60 payments of $204 for a five-year term; and 72 payments of $177 for a six-year term.

Mortgage

40-Year Fixed Mortgage Rates

heDDER	heDDER	heDDER	heDDER
Term	Rate	Points	APR
40 years	5.875%	1.750%	6.388%
40 years	6.125%	0.750%	6.559%

Important disclosure

Disclosures

All rates are effective December 4, 2025. Updated at 8:00 AM HST. These rates are market indicators, and they are subject to change throughout the day.

Annual Percentage Rate = APR

All Interest rates are based on 45-day lock for owner-occupant 1st mortgage single-family detached property purchase loans with a 5% down payment or equity and the highest credit score tier available except where otherwise noted. Additional risk-based loan-level price adjustments may increase points for other transaction types and credit score tiers. APR’s are based on loan amounts of $100,000. Rates and terms are subject to change or cancellation without notice. Certain restrictions apply. Available to Hawaii residents only, and only for property in Hawaii

Payment example:

For a 15-year loan for $100,000 at 6.500% interest rate, no points, and an APR of 6.692%, the monthly principal and interest payment is $871. The total of all interest payments for 15 years is $56,799 and the total of all payments for 15 years is $156,799. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.

For a 30-year loan for $100,000 at 6.875% interest rate, no points, and an APR 6.994%, the monthly principal and interest payment is $657. The total of all interest payments for 30 years is $136,493 and the total of all payments for 30 years is $236,493. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater. NMLS# 405316

For a 40-year loan for $100,000 at 6.875% interest rate, no points, and an APR 6.997%, the monthly principal and interest payment is $612. The total of all interest payments for 40 years is $193,939 and the total of all payments for 40 years is $293,939. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater. NMLS# 405316

If you have any questions please email: MLO@hsfcu.com

30-Year Fixed Mortgage Rates

heDDER	heDDER	heDDER	heDDER
Term	Rate	Points	APR
30 years	5.375%	1.625%	5.523%
30 years	5.625%	0.500%	5.671%

Important disclosure

Disclosures

All rates are effective December 4, 2025. Updated at 8:00 AM HST. These rates are market indicators, and they are subject to change throughout the day.

Annual Percentage Rate = APR

All Interest rates are based on 45-day lock for owner-occupant 1st mortgage single-family detached property purchase loans with a 20% down payment or equity and the highest credit score tier available except where otherwise noted. Additional risk-based loan-level price adjustments may increase points for other transaction types, property types, and credit score tiers. Additional risk-based loan-level price adjustments may increase points for other transaction types and credit score tiers. APR’s are based on loan amounts of $100,000. Rates and terms are subject to change or cancellation without notice. Certain restrictions apply. Available to Hawaii residents only, and only for property in Hawaii.

Payment example:

If you have any questions please email: MLO@hsfcu.com

15-Year Fixed Mortgage Rates

heDDER	heDDER	heDDER	heDDER
Term	Rate	Points	APR
15 years	4.875%	1.750%	5.143%
15 years	5.250%	0.875%	5.385%

Important disclosure

Disclosures

All rates are effective December 4, 2025. Updated at 8:00 AM HST. These rates are market indicators, and they are subject to change throughout the day.

Annual Percentage Rate = APR

Payment example:

If you have any questions please email: MLO@hsfcu.com

40-Year Adjustable Rate Mortgages (ARMs)

heDDER	heDDER	heDDER	heDDER
Term	Rate	Points	APR
10 year	5.375%	2.000%	6.480%
10 year	5.625%	1.000%	6.544%

Important disclosure

Disclosures

All rates are effective December 4, 2025. Updated at 8:00 AM HST. These rates are market indicators, and they are subject to change throughout the day.

Annual Percentage Rate = APR

Payment example:

If you have any questions please email: MLO@hsfcu.com

30-Year Adjustable Rate Mortgages (ARMs)

heDDER	heDDER	heDDER	heDDER
Term	Rate	Points	APR
5 year	5.125%	1.750%	6.277%
5 year	5.375%	0.750%	6.280%
7 year	5.250%	1.750%	6.150%
7 year	5.500%	0.750%	6.183%
10 year	5.375%	1.750%	6.015%
10 year	5.625%	0.750%	6.084%

Important disclosure

Disclosures

All rates are effective December 4, 2025. Updated at 8:00 AM HST. These rates are market indicators, and they are subject to change throughout the day.

Annual Percentage Rate = APR

All Interest rates are based on a 45-day lock for owner-occupant 1st mortgage single-family detached property purchase loans with a 20% down payment or equity and the highest credit score tier available except where otherwise noted. Additional risk-based loan-level price adjustments may increase points for other transaction types, property types, and credit score tiers. APRs are based on loan amounts of $100,000. Rates and terms are subject to change or cancellation without notice. Other terms and conditions apply. Speak to a HSFCU representative for more information. Available to Hawaii residents only, and only for property in Hawaii. Free HSFCU membership is required. Contact us for eligibility.

For a 5/6 Hybrid ARM, there is an introductory rate for the first 5 years (60 months), during which time the interest rate and payment do not change. Both the interest rate and payment may increase at the end of 60 months even if the index value remains the same or decreases because of the expiration of the introductory rate. Both the interest rate and payment may increase or decrease every 6 months thereafter for the remaining 25 years. The interest rate will be calculated by adding the value of the 30-Day Average SOFR index (as published by the Federal Reserve Bank of New York) in effect 45 days prior to your interest rate change date plus a margin of 2.75% and then rounding the sum to the nearest 0.125%, but is limited to the following interest rate caps: on the first interest rate adjustment date, the interest rate may increase or decrease by as much as two percentage points; on each subsequent 6-month interest rate adjustment date, the interest rate may increase or decrease by as much as one percentage point; and the interest rate will never exceed your initial interest rate by more than five percentage points. The payment will be recalculated at the time the new interest rate is determined to fully re-amortize the remaining balance for the remaining term of your loan.

Payment example:

For $100,000 loan amount with an initial interest rate of 4.00%, no points, a margin of 2.75%, a SOFR index value of 4.559%, and an APR of 6.085%, the monthly principal and interest payment is $477.42 for the first 60 months. On the 61st month, the interest rate would increase to 6.000% and the monthly principal and interest payment would increase to $582.75 for months 61 to 66. On the 67th month, the interest rate would increase to 7.000% and the monthly principal and interest payment would increase to $638.46 for months 67 to 72. On the 73rd month, the interest rate would increase to 7.250% and the monthly principal and interest payment would increase to $652.55 for months 73 to 360. APR calculations and this payment example assume no changes to the index value for the entire term of the loan. The total of all interest payments for 30 years is $123,907.48 and the total of all payments for 30 years $223,907.48. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.

For a 7/6 Hybrid ARM, there is an introductory rate for the first 7 years (84 months), during which time the interest rate and payment do not change. Both the interest rate and payment may increase at the end of 72 months even if the index value remains the same or decreases because of the expiration of the introductory rate. Both the interest rate and payment may increase or decrease every 6 months thereafter for the remaining 23 years. The interest rate will be calculated by adding the value of the 30-Day Average SOFR index (as published by the Federal Reserve Bank of New York) in effect 45 days prior to your interest rate change date plus a margin of 2.75% and then rounding the sum to the nearest 0.125%, but is limited to the following interest rate caps: on the first interest rate adjustment date, the interest rate may increase or decrease by as much as five percentage points; on each subsequent 6-month interest rate adjustment date, the interest rate may increase or decrease by as much as one percentage point; and the interest rate will never exceed your initial interest rate by more than five percentage points. The payment will be recalculated at the time the new interest rate is determined to fully re-amortize the remaining balance for the remaining term of your loan.

Payment example:

For $100,000 loan amount with an initial interest rate of 4.250%, no points, a margin of 2.75%, a SOFR index value of 4.559%, and an APR of 5.883%, the monthly principal and interest payment is $491.94 for the first 84 months. On the 85th month, the interest rate would increase to 7.250% and the monthly principal and interest payment would increase to $645.29 for months 85 to 360. APR calculations and this payment example assume no changes to the index value for the entire term of the loan. The total of all interest payments for 30 years is $119,423.01 and the total of all payments for 30 years $219,423.01. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.

For a 10/6 Hybrid ARM, there is an introductory rate for the first 10 years (120 months), during which time the interest rate and payment do not change. Both the interest rate and payment may increase at the end of 120 months even if the index value remains the same or decreases because of the expiration of the introductory rate. Both the interest rate and payment may increase or decrease every 6 months thereafter for the remaining 20 years. The interest rate will be calculated by adding the value of the 30-Day Average SOFR index (as published by the Federal Reserve Bank of New York) in effect 45 days prior to your interest rate change date plus a margin of 2.75% and then rounding the sum to the nearest 0.125%, but is limited to the following interest rate caps: on the first interest rate adjustment date, the interest rate may increase or decrease by as much as five percentage points; on each subsequent 6-month interest rate adjustment date, the interest rate may increase or decrease by as much as one percentage point; and the interest rate will never exceed your initial interest rate by more than five percentage points. The payment will be recalculated at the time the new interest rate is determined to fully re-amortize the remaining balance for the remaining term of your loan.

Payment example:

For $100,000 loan amount with an initial interest rate of 4.500%, no points, a margin of 2.75%, a SOFR index value of 4.559%, and an APR of 5.620%, the monthly principal and interest payment is $506.69 for the first 120 months. On the 121st month, the interest rate would increase to 7.250% and the monthly principal and interest payment would increase to $633.01 for months 121 to 360. APR calculations and this payment example assume no changes to the index value for the entire term of the loan. The total of all interest payments for 30 years is $112,724.08 and the total of all payments for 30 years 212,724.08. Payments do not include amounts for taxes and insurance premiums, and the actual payment obligation will be greater.

SOFR = Secured Overnight Financing Rate

NMLS# 405316

If you have any questions please email: MLO@hsfcu.com

40 Year Mortgage

heDDER	heDDER	heDDER	heDDER
Term	Rate	Points	APR
40 Year Fixed Rate	5.625%	1.875%	6.049%
40 Year ARM	5.250%	1.875%	6.310%

Important disclosure

Disclosures

All rates are effective December 4, 2025. Updated at 8:00 AM HST. These rates are market indicators, and they are subject to change throughout the day.

Annual Percentage Rate = APR

Payment example:

If you have any questions please email: MLO@hsfcu.com

Conventional Mortgage

heDDER	heDDER	heDDER	heDDER
Term	Rate	Points	APR
30 years	5.625%	2.000%	5.905%
30 years	6.000%	0.625%	6.153%
15 years	4.750%	2.000%	5.212%
15 years	5.250%	0.750%	5.521%

Important disclosure

Disclosures

All rates are effective December 4, 2025. Updated at 8:00 AM HST. These rates are market indicators, and they are subject to change throughout the day.

Annual Percentage Rate = APR

Payment example:

If you have any questions please email: MLO@hsfcu.com

Adjustable Rate Hybrid Mortgages (ARMs)

heDDER	heDDER	heDDER	heDDER
Term	Rate	Points	APR
5 years	5.000%	2.000%	6.321%
5 years	5.250%	0.875%	6.313%
7 years	5.125%	2.000%	6.179%
7 years	5.375%	0.875%	6.200%
10 years	5.250%	2.000%	6.026%
10 years	5.500%	0.875%	6.083%

Important disclosure

Disclosures

All rates are effective December 4, 2025. Updated at 8:00 AM HST. These rates are market indicators, and they are subject to change throughout the day.

Annual Percentage Rate = APR

Payment example:

SOFR = Secured Overnight Financing Rate

NMLS# 405316

If you have any questions please email: MLO@hsfcu.com

HELOC

HELOC Up to 80% LTV

Up to 80% LTV, fee-simple, owner-occupied property¹

heDDER	heDDER
Terms	APR as low as
2-year Intro Rate	5.55%²
3-year Intro Rate	5.40%²
4-year Intro Rate	5.80%²
5-year Intro Rate	5.80%²
Current Variable Index Rate	7.00%³ up to $400,000 credit line

Important disclosure

Disclosures

1. The minimum credit line is $20,000 and the maximum credit lines for an 80% LTV Fee-Simple Owner-Occupied Property, the lesser of $400,000 or 80% LTV minus the balance of your existing mortgage. Must be a Hawaii resident.

2. The 2-year, 3-year, 4-year, and 5-year HELOC Introductory Rates are valid for applications received commencing 12/1/25 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.

3. The Current Variable Index Rate is based on the Prime Rate plus a margin. Your margin will depend on your creditworthiness. The Current Variable Index Rate will not exceed 18.00% APR. The minimum Current Variable Index Rate is 3.75% for 80% LTV fee-simple, owner-occupied property with a line amount up to $400,000.

Rates effective 12/01/2025

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

HELOC Up to 90% LTV

Up to 90% LTV, fee-simple, owner-occupied, primary residence¹

heDDER	heDDER
Terms	APR as low as
Current Variable Index Rate	7.75%²

Important disclosure

Disclosures

1. The minimum credit line is $20,000 and the maximum credit lines for a 90% LTV Fee- Simple Owner-Occupied Property, the lesser of $225,000 or 90% LTV minus the balance of your existing mortgage. Must be a Hawaii resident.

2. The Current Variable Index Rate is based on the Prime Rate plus a margin. Your margin will depend on your creditworthiness. The Current Variable Index Rate will not exceed 18.00% APR. The minimum Current Variable Index Rate is 5.25% for 90% LTV fee-simple, owner-occupied primary residences. Rates are valid for applications received on or after the effective date 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.

Rates effective 12/01/2025

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 $225,000. 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

HELOC Up to 95% LTV

Up to 95% LTV, fee-simple, owner-occupied, primary residence¹

heDDER	heDDER
Terms	APR as low as
Current Variable Index Rate	8.00%²

Important disclosure

Disclosures

1. The minimum credit line is $20,000 and the maximum credit lines for a 95% LTV Fee-Simple Owner-Occupied Primary Residence, lesser of $225,000 or 95% LTV minus the balance of your new or existing mortgage. This offer applies to new Home Equity Lines of Credit when your existing mortgage is secured by Hawaii State FCU. Must be a Hawaii resident.

2. The Current Variable Index Rate is based on the Prime Rate plus a margin. Your margin will depend on your creditworthiness. The Current Variable Index Rate will not exceed 18.00% APR. The minimum Current Variable Index Rate is 5.25% for 95% LTV fee-simple, owner-occupied primary residences subordinated to a new or existing Hawaii State FCU mortgage. Rates are valid for applications received on or after the effective date 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 ends, your rate will vary and the applicable Current Variable Index Rate will apply.

Rates effective 12/01/2025

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 $225,000. 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

Investor HELOC up to 70% LTV

Up to 70% LTV, fee-simple, investment property¹

heDDER	heDDER
Terms	APR as low as
2-year Intro Rate	5.80%²
3-year Intro Rate	5.65%²
4-year Intro Rate	6.05%²
5-year Intro Rate	6.05%²
Current Variable Index Rate	7.25%³

Important disclosure

Disclosures

1. The minimum credit line is $20,000 and the maximum credit lines for a 70% LTV Fee Simple Investment Property, the lesser of $200,000 or 75% LTV minus the balance of your existing mortgage. Must be a Hawaii resident.

2. The 2-year, 3-year, 4-year, and 5-year HELOC Introductory Rates are valid for applications received on or after the effective date 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 the end of the selected Introductory Period.

3.The Current Variable Index Rate is based on the Prime Rate plus a margin. Your margin will depend on your creditworthiness. The Current Variable Index Rate will not exceed 18.00% APR. The minimum Current Variable Index Rate is 5.25% for 70% LTV fee-simple investment property.

Rates effective 12/01/2025

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 $200,000. 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.

Jumbo HELOC Up to 70% LTV

Up to 70% LTV, fee-simple, owner-occupied, primary residence¹

heDDER	heDDER
Terms	APR as low as
2-year Intro Rate	5.80%²
3-year Intro Rate	5.65%²
4-year Intro Rate	6.05%²
5-year Intro Rate	6.05%²
Current Variable Index Rate	7.75%² up to $1,000,000 credit line

Important disclosure

Disclosures

1. The minimum credit line is $400,100 and the maximum credit line for a Jumbo HELOC 70% LTV minus the balance of your existing mortgage for primary residences up to $1,000,000 line amount when secured as 1st lien. Must be a Hawaii resident.

2. The 2-year, 3-year, 4-year, and 5-year HELOC Introductory Rates are valid for applications received on or after the effective date 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 select a 2-year, 3-year, 4-year, or 5-year Introductory Rate, it will remain in effect until the end of the chosen Introductory Period.

3. The Current Variable Index Rate is based on the Prime Rate plus a margin. Your margin will depend on your creditworthiness. The Current Variable Index Rate will not exceed 18.00% APR. The minimum Current Variable Index Rate is 4.50% for 70% LTV Jumbo HELOCs on fee-simple, owner-occupied primary residences with line amounts of $400,100 or greater.

Rates effective 12/01/2025

Only improved residential property in Hawaii is accepted as collateral. Property insurance is required. Membership in the credit union is required. For line amounts greater than $400,100, the credit union waives closing costs for certain third-party fees (e.g., recordation, documentation, escrow, flood determination) estimated between $995 and $1,195. You will be required to pay other closing costs for appraisal, title insurance, trust review, or other legal documentation estimated between $3,750 and $5,700. 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.

Personal

Personal Loan

heDDER	heDDER
Terms	APR as low as¹
1 year	8.50%
2 years	8.75%
3 years	9.00%
4 years	9.50%
5 years	9.99%
6 years	11.00%

Important disclosure

Disclosures

1. Offer available with a minimum loan amount of $500. APR includes a 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account. Without automatic payment, the APR will be 0.25 percentage point higher and may result in higher monthly payments. Not valid for business or real estate loans. Refinances of existing Hawaii State FCU personal loans or lines of credit do not qualify for this offer. Credit union membership is required. Must be a Hawaii resident. Other restrictions may apply.

Rates effective 12/01/2025

Payment Examples: A loan of $10,000 will have: 12 payments of $872 for a one-year term at 8.50% APR; 24 payments of $456 for a two-year term at 8.75% APR; 36 payments of $318 for a three-year term at 9.00% APR; 48 payments of $251 for a four-year term at 9.50% APR; 60 payments of $212 for a five-year term at 9.99% APR; and 72 payments of $190 for a six-year term at 11.00% APR.

Personal Line of Credit

heDDER	heDDER
Terms	APR as low as¹
Revolving	12.00%

Important disclosure

Disclosures

1. The APR will vary with the prime rate as published in the Wall Street Journal (index), plus a margin determined by your credit score. APR includes a 0.25 percentage point discount for automatic payments from a Hawaii State FCU checking account. Without automatic payment, the APR will be 0.25 percentage point higher and may result in higher monthly payments. The APR will never exceed the maximum permitted by law (currently 18.00%). Must be a Hawaii resident. Rates are subject to change without notice.

Rates effective 12/01/2025

Credit Cards

heDDER	heDDER	heDDER
Credit Card Product	Terms	Current Variable Index Rate¹
Always Cash Visa® Signature Rewards	Revolving	18.00% APR
Visa® Platinum Rewards	Revolving	14.40% to 18.00% APR
Share Secured Visa® Platinum Rewards	Revolving	18.00% APR

Important disclosure

Disclosures

1. No cash advance, balance transfer, or foreign transaction fees. APRs current as of 11/7/2025 and vary with the market based on the U.S. Prime Rate plus a margin determined by creditworthiness. Rates are subject to change without notice. Maximum APR is 18.0%, as permitted by law. Available to Hawaii residents only.

Credit Card Holder Agreement

Credit Card Holder Application Disclosure

Photovoltaic (PV) Loan

PV Loan Program¹

heDDER	heDDER	heDDER
Interest Rate² Months 0–18	Interest Rate² Months 19–96	APR
0.00%	7.70%	5.165%
0.00%	8.10%	5.427%
0.00%	8.70%	5.817%

Important disclosure

Disclosures

1. The PV Loan program is available only for PV systems installed by participating contractors. The maximum loan amount is $75,000 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. Must be a Hawaii resident.

2. The Photo Voltaic (PV) Loan program features a 0% interest rate and no payments for the first 18 months, followed by an interest rate of 7.70%, 8.10%, or 8.70% for the remaining 78 months, based on your creditworthiness. The APR over the full 96-month loan term is 5.165%, 5.427%, or 5.817%, respectively. Interest rates include a 0.25% discount for establishing autopay from a Hawaii State FCU checking account at the time of loan origination. Without this discount, the interest rate will be 0.25% higher and the APRs will be 0.163% higher. Rates are subject to change without notice.

Rates effective 12/01/2025

A loan of $30,000 with a 7.70% interest rate will have: 78 payments of $490.07 . A loan of $30,000 with an 8.10% interest rate will have: 78 payments of $495.98 . A loan of $30,000 with an 8.70% interest rate will have: 78 payments of $504.92. Payments begin on the 19th month and continue until the 96th month.

These are estimates only. Speak to a Hawaii State FCU loan representative at any branch for more information, or call (808) 587-2700.

Roof & Renovation

Roof & Renovation Loan

Roof & Renovation Program¹

heDDER	heDDER	heDDER
Interest Rate² Months 0–12	Interest Rate² Months 13–84	APR
0.00%	7.70%	5.691%
0.00%	8.10%	5.981%
0.00%	8.70%	6.414%

Important disclosure

Disclosures

1. The Roof and Renovation Loan (RnR) program is available only by participating contractors. The maximum loan amount is $75,000 and is subject to approval. A contractor’s participation in the HSFCU RnR loan program does not imply endorsement of the contractor by HSFCU. The RnR Loan program, is subject to change, and may end at any time. Membership in Hawaii State Federal Credit Union is required. Rates are subject to change at any time without prior notice. Must be a Hawaii resident.

2. The Roof and Renovation (RnR) Loan program features a 0% interest rate and no payments for the first 12 months, followed by an interest rate of 7.70%, 8.10%, or 8.70% for the remaining 6 years, based on your creditworthiness. The blended APR over the full 84-month loan term is 5.691%, 5.981%, or 6.414%, respectively. Interest rates include a 0.25% discount for establishing autopay from a Hawaii State FCU checking account at the time of loan closing. Without this discount, the interest rate will be 0.25% higher and the blended APRs will be 0.181% higher. Rates are subject to change without notice.

Rates effective 12/01/2025

A loan of $30,000 with a 7.70% interest rate will have: 72 payments of $521.61 and total interest paid of $7,556.18. A loan of $30,000 with a 8.10% interest rate will have: 72 payments of $527.46 and total interest paid of $7,977.35. A loan of $30,000 with a 8.70% interest rate will have: 72 payments of $536.31 and total interest paid of $8,614.33.

These are estimates only. Speak to a Hawaii State FCU loan representative at any branch for more information, or call (808) 587-2700.