Rates

*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.

^* The Annual Percentage Yield (APY) may change after the account is opened. APYs are as of 11/30/2024, and may change at any time without notice. Fees may reduce earnings.

^† The Investment Share Account, Relationship Max Share and the Relationship Checking Account are tiered rate accounts. 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.

See Consumer Truth-in-Savings Non-Term Disclosure for more information.

^* Relationship Checking is required. Minimum opening deposit of $2,500 is required. See Consumer Truth in Saving Non-Term Disclosure for more information.

^** Relationship MAX^SM Share 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 balance for that day. When a particular daily balance is met, the APY will apply to the full balance in that account.

^*** The Annual Percentage Yield (APY) may change after the account is opened. APYs are as of 11/30/2024 and may change at any time without notice. Fees may reduce earnings.

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

** 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

See Consumer Truth-in-Savings Term Disclosure for more information.

Consumer Term Share account information  |  Business Term Share account information

^* The Annual Percentage Yield (APY) may change after the account is opened. APYs are as of 11/30/2024, and may change at any time without notice. Fees may reduce earnings.

See Consumer Truth-in-Savings Non-Term Disclosure for more information.

^* An additional Relationship Bonus may also apply. Please see our Consumer Truth-in-Savings Non-Term Disclosure for more information regarding the Relationship Bonus.

^** The Investment Share Account, Relationship MAX^SM Share and the Relationship Checking Account are tiered rate accounts. 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) may change after the account is opened. APYs are as of 11/30/2024, and may change at any time without notice. Fees may reduce earnings.

^* Offer good from 12/1/2024 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. The APR will be 0.25 percentage point higher without automatic payment and may result in higher monthly payments. 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. Must be a Hawaii resident. Other restrictions apply.

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.

*  The APR will vary with the prime rate as published in the Wall Street Journal (index), plus a margin determined by your credit score. The APR includes a 0.25 percentage point discount for automatic payments from a Hawaii State FCU Checking account. The APR will be 0.25 percentage point higher without automatic payment and may result in higher monthly payments. The APR will never be greater than the maximum that we are permitted to charge by law (currently 18.0%). Must be a Hawaii resident. Rates are effective 12/1/2024 and are subject to change without notice.

^* APR includes a 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account. The APR will be 0.25 percentage point higher without automatic payment and may result in higher monthly payments. The APR will be based on your creditworthiness and may be higher. Rates are effective 12/1/2024 and are subject to change without notice. Must be a Hawaii resident.

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.

*  APR includes a 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account. The APR will be 0.25 percentage point higher without automatic payment and may result in higher monthly payments. The APR will be based on your creditworthiness and may be higher. Rates are effective 12/1/2024 and are subject to change without notice. Must be a Hawaii resident.

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.

*  APR includes a 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account. The APR will be 0.25 percentage point higher without automatic payment and may result in higher monthly payments. The APR will be based on your creditworthiness and may be higher. Rates are effective 12/1/2024 and are subject to change without notice. Must be a Hawaii resident.

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.

* APR includes a 0.25 percentage point discount for automatic payment from a Hawaii State FCU checking account. The APR will be 0.25 percentage point higher without automatic payment and may result in higher monthly payments. The APR will be based on your creditworthiness and may be higher. Rates are effective 12/1/2024 and are subject to change without notice. Must be a Hawaii resident.

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.

* 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.

** 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

* 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.

** 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 5.25% for 90% LTV Fee-Simple Owner-Occupied Primary Residences. 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.

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

* 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.

** 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 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 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.

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

* 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.

** 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 effective as of 12/1/2024 and will not exceed 18% APR. The minimum Current Variable Index Rate is 4.50% for 70% LTV Jumbo HELOC Fee-Simple Owner-Occupied Primary Residences for line amounts $400,100 or greater.

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.

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

* 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 70% LTV minus the balance of your existing mortgage. Must be a Hawaii resident.

** 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 5.25% for 70% LTV Fee Simple Investment Property.

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.

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

*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.

**The Photo Voltaic (PV) Loan program features 0% interest rate and no payments for the first 18 months with a subsequent interest rate of 7.70%, 8.10%, or 8.70% for the remaining 78 months based on your creditworthiness. The APR over the entire 96-month term of the loan is 5.165%, 5.427%, or 5.817% respectively. The interest rates include a 0.25% discount for establishing autopay from an HSFCU checking account at the time of loan origination. The interest rate will be 0.25% higher and the APR’s will be 0.163% higher without the discount. Rates are effective 12/1/2024 and are subject to change without notice.

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.