Rates

^* The Annual Percentage Yield (APY) may change after the account is opened. APYs are effective as of 8/1/2018, and may change at any time without notice. Fees may reduce earnings.

^† The Investment Share Account 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 Truth-in-Savings Disclosure for more information.

^* The APY is accurate as of 8/1/2018. An early withdrawal penalty may be imposed for early withdrawal. Fees may reduce earnings.

See Truth-in-Savings Disclosure for more information.

^* The Annual Percentage Yield (APY) may change after the account is opened. APYs are effective as of 8/1/2018, and may change at any time without notice. Fees may reduce earnings.

See Truth-in-Savings Disclosure for more information.

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

^** The Annual Percentage Yield (APY) may change after the account is opened. APYs are effective as of 8/1/2018, and may change at any time without notice. Fees may reduce earnings.

^*** The Investment Share Account 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.

Annual Percentage Rate = APR

* Offer good from 6/1/2018 to 8/31/2018. APR is for a one-year term loan and it includes a 0.25% discount for automatic payment from a HSFCU Checking account. Without automatic payment, the APR will be 0.25 percentage points higher. This is the lowest rate available for a one-year term. Other terms may be available. Your APR will be based on your creditworthiness and may be higher. Payment Example: A loan of $1,000 with a 2.99% APR will have 12 monthly P&I payments of $85.01, which includes $20.10 total interest paid. Offer applies to new HSFCU loans only. Certain terms and conditions apply. Membership in the credit union is required. Must be a Hawaii resident. Other restrictions apply.

^* 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% higher without automatic payment and may result in higher monthly payments. The APR will never be less than 7.25% or greater than the maximum that we are permitted to charge by law (currently 18.0%).

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 and may result in higher monthly payments. These are the lowest APRs available. Your APR will be based on your creditworthiness. 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. Rates are effective 8/1/2018 and are subject to change without notice.

^* 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 and may result in higher monthly payments. These are the lowest APRs available. Your APR will be based on your creditworthiness. 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. Rates are effective 8/1/2018 and are subject to change without notice.

^* 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 and may result in higher monthly payments. These are the lowest APRs available. Your APR will be based on your creditworthiness. 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. Rates are effective 8/1/2018 and are subject to change without notice.

^* 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 and may result in higher monthly payments. These are the lowest APRs available. Your APR will be based on your creditworthiness. 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. Rates are effective 8/1/2018 and are subject to change without notice.

All rates are effective August 14, 2018. Updated at 9:38 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 30-day lock for owner-occupant 1st mortgage purchase or no-cash out refinance 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 and credit score tiers. When negative points are shown, these may be used to offset loan-level price adjustments and to reduce other closing costs. APR’s are based on loan amounts of $200,000. Rates and terms are subject to change or cancellation without notice. Certain restrictions apply. Must be a Hawaii resident.

Purchase promotion of 0.25% reduction to total points available for all first mortgage products and occupancy types for loans funded in-house by Hawaii State FCU on 1-4 family residential properties in the state of Hawaii only. Reduce APR by 0.021% for 30 year and 0.038% for 15 year.

Payment example:

For a 15 year loan for $100,000 at 4.000% interest rate, no points, and an APR of 4.179%, the monthly principal and interest payment is $740. The total of all interest payments for 15 years is $33,144 and the total of all payments for 15 years $133,144. 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 4.500% interest rate, no points, and an APR 4.603%, the monthly principal and interest payment is $507. The total of all interest payments for 30 years is $82,407 and the total of all payments for 30 years is $182,407. 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: [email protected]

^* The minimum credit line is $20,000 and the maximum credit lines for an 80% LTV Fee-Simple Owner-Occupied Property, the lesser of $250,000 or 80% LTV minus the balance of your existing mortgage;

^** The 1-year, 2-year, 3-year, 4-year, and 5-year HELOC Introductory Rates are valid for applications received commencing 8/1/2018 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 for applicants with a FICO credit score of 630 or greater. For line amounts >$250,000, offer applies only to line in subordinate lien position. 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. Must be a Hawaii resident.

^*** 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 8/1/2018 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 $250,000 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 $260 to $2,000 for line amounts up to $250,000. You will be required to pay other closing costs involving trust review, other legal documentation, or appraisal cost, estimated at $250 to $1,950. For line amounts greater than $250,000, the credit union waives closing costs for certain third party fees (e.g. recordation, documentation, escrow, flood determination) estimated between $50 and $600. You will be required to pay other closing costs for appraisal, title insurance, trust review, or other legal documentation estimated between $1,600 and $3,800. 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.

^* The minimum credit line is $20,000 and the maximum credit lines for a 90% LTV Fee-Simple Owner-Occupied Property, the lesser of $200,000 or 90% LTV minus the balance of your existing mortgage. Must be a Hawaii resident.

^** The 6 month, 1-year, 2-year, 3-year, 4-year, and 5-year HELOC Introductory Rates are valid for applications received commencing 8/1/2018 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 for applicants with a FICO credit score of 630 or greater. For line amounts >$250,000, offer applies only to line in subordinate lien position. Refinancing of existing Hawaii State FCU Home Equity Lines of Credit is not allowed. If you elect the 6 month, 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.

^*** 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 8/1/2018 and will not exceed 18% APR. The minimum Current Variable Index Rate is 5.25% for 90% LTV Fee-Simple Owner-Occupied Primary Residences.

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 $260 to $2,000 for line amounts up to $250,000. You will be required to pay other closing costs involving trust review, other legal documentation, or appraisal cost, estimated at $250 to $1,950. For line amounts greater than $250,000, the credit union waives closing costs for certain third party fees (e.g. recordation, documentation, escrow, flood determination) estimated between $50 and $600. You will be required to pay other closing costs for appraisal, title insurance, trust review, or other legal documentation estimated between $1,600 and $3,800. 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.

^* The minimum credit line is $20,000 and the maximum credit lines for a 95% LTV Fee-Simple Owner-Occupied Primary Residence, lesser of $150,000 or 95% LTV minus the balance of your existing mortgage. Must be a Hawaii resident.

^** The 6 month, 1-year, 2-year, 3-year, 4-year, and 5-year HELOC Introductory Rates are valid for applications received commencing 8/1/2018 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 for applicants with a FICO credit score of 630 or greater. For line amounts >$250,000, offer applies only to line in subordinate lien position. Refinancing of existing Hawaii State FCU Home Equity Lines of Credit is not allowed. If you elect the 6 month, 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.

^*** 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 8/1/2018 and will not exceed 18% APR. The minimum Current Variable Index Rate is 5.25% for 95% LTV Fee-Simple Owner-Occupied Primary Residences.

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 $260 to $2,000 for line amounts up to $250,000. You will be required to pay other closing costs involving trust review, other legal documentation, or appraisal cost, estimated at $250 to $1,950. For line amounts greater than $250,000, the credit union waives closing costs for certain third party fees (e.g. recordation, documentation, escrow, flood determination) estimated between $50 and $600. You will be required to pay other closing costs for appraisal, title insurance, trust review, or other legal documentation estimated between $1,600 and $3,800. 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.

^* The minimum credit line is $20,000 and the maximum credit lines for a 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. Must be a Hawaii resident.

^** The 6 month, 1-year, 2-year, 3-year, 4-year, and 5-year HELOC Introductory Rates are valid for applications received commencing 8/1/2018 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 for applicants with a FICO credit score of 630 or greater. For line amounts >$250,000, offer applies only to line in subordinate lien position. 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.

^*** 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 8/1/2018 and will not exceed 18% APR. The minimum Current Variable Index Rate is 4.25% for Jumbo HELOC Fee-Simple Owner-Occupied Primary Residences over $250,000 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 $260 to $2,000 for line amounts up to $250,000. You will be required to pay other closing costs involving trust review, other legal documentation, or appraisal cost, estimated at $250 to $1,950. For line amounts greater than $250,000, the credit union waives closing costs for certain third party fees (e.g. recordation, documentation, escrow, flood determination) estimated between $50 and $600. You will be required to pay other closing costs for appraisal, title insurance, trust review, or other legal documentation estimated between $1,600 and $3,800. 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.

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

^** The 1-year, 2-year, 3-year, 4-year, and 5-year HELOC Introductory Rates are valid for applications received commencing 8/1/2018 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 for applicants with a FICO credit score of 630 or greater. For line amounts >$250,000, offer applies only to line in subordinate lien position. 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.

^*** 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 8/1/2018 and will not exceed 18% APR. The minimum Current Variable Index Rate is 5.25% for 75% 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 $260 to $2,000 for line amounts up to $250,000. You will be required to pay other closing costs involving trust review, other legal documentation, or appraisal cost, estimated at $250 to $1,950. For line amounts greater than $250,000, the credit union waives closing costs for certain third party fees (e.g. recordation, documentation, escrow, flood determination) estimated between $50 and $600. You will be required to pay other closing costs for appraisal, title insurance, trust review, or other legal documentation estimated between $1,600 and $3,800. 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 60% LTV Leasehold Owner-Occupied Primary Residence, the lesser of $200,000 or 60% LTV minus the balance of your existing mortgage. Must be a Hawaii resident.

^** The 1-year, 2-year, 3-year, 4-year, and 5-year HELOC Introductory Rates are valid for applications received commencing 8/1/2018 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 for applicants with a FICO credit score of 630 or greater. For line amounts >$250,000, offer applies only to line in subordinate lien position. 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.

^*** 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 8/1/2018 and will not exceed 18% APR. The minimum Current Variable Index Rate is 3.75% for 60% LTV Leasehold Owner-Occupied Primary Residence.

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 $260 to $2,000 for line amounts up to $250,000. You will be required to pay other closing costs involving trust review, other legal documentation, or appraisal cost, estimated at $250 to $1,950. For line amounts greater than $250,000, the credit union waives closing costs for certain third party fees (e.g. recordation, documentation, escrow, flood determination) estimated between $50 and $600. You will be required to pay other closing costs for appraisal, title insurance, trust review, or other legal documentation estimated between $1,600 and $3,800. 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 24 months with a subsequent interest rate of 7.10%, 7.85%, or 8.10% for the remaining 6 years based on your creditworthiness. The blended APR over the entire 96 month term of the loan is 4.181%, 4.611%, or 4.753%, 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 7.10% interest rate will have: 72 payments of $512.91 and total interest paid of $6,929.66. A loan of $30,000 with a 7.85% interest rate will have: 72 payments of $523.80 and total interest paid of $7,713.79. 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

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

*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.

**The Roof and Renovation (RnR) Loan program features 0% interest rate and no payments for the first 12 months with a subsequent interest rate of 7.10%, 7.85%, or 8.10% for the remaining 6 years based on your creditworthiness. The blended APR over the entire 84 month term of the loan is 5.255%, 5.800% or 5.981%, respectively. The interest rates include a 0.25% discount for establishing auto-pay from an HSFCU checking account at the time of loan closing. The interest rate will be 0.25% higher and the blended APRs will be 0.143% higher without the discount.

A loan of $30,000 with a 7.10% interest rate will have: 72 payments of $512.91 and total interest paid of $6,929.66. A loan of $30,000 with a 7.85% interest rate will have: 72 payments of $523.80 and total interest paid of $7,713.79. 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.

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