Rates

LOAN RATES

Loan rates are listed “as low as.” Actual rates may differ based on credit score.
As our rates do change daily please call 777-LOAN [5626] for the most up to date rates available.

Home Loans

Call for rates

Call for rates

Call for rates

Max LoanRepayment TermDraw PeriodVariable (APR*)Fixed Intro (APR*)Rate UpdateRemarks

$350,000

18/30 yr

8 yr

5.00%

1.99%
2.75%

July 1, 2022

1.99% for 2 yrs, 2.75% for 3 years, then variable rate thereafter. Currently 5.00%. As high as 80% loan to value.

*APR – Annual Percentage Rate. Rates effective as of 7/1/2022 and subject to change without notice.  HOCU membership required.

Home Equity Line of Credit is a variable rate loan. The rate is tied to an index, the monthly average of the Six Month Treasury Bill Rate (Auction High), to which a margin is added. This rate is adjusted quarterly (5.00% APR min. & 18.00% APR max).

1.99% APR fixed for 24 months or 2.75% APR fixed for 36 months are introductory rates which start when the loan is opened. Program is for fee-simple owner occupied properties located in Hawaii. You can obtain credit advances for 8 years (draw period). At the time you establish the plan you will have your choice of a 216 or a 360 month payoff period.

Up to $550 credit on closing costs. You must pay certain fees to third parties to open the plan.  These fees generally total between $250.00 and $3,500.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties. If you close the home equity line of credit within 36 months of opening, you will be required to reimburse us for the bona fide third party fees paid on your behalf, as permitted by applicable law.

Max LoanRepayment TermDraw PeriodVariable (APR*)Rate UpdateRemarks

$200,0001

$150,0002

18/30 yr

18/30 yr

8 yr

8 yr

6.00%

7.00%

July 1, 2022

Between 80.01% – 90% LTV

Between 90.01% – 100% LTV

*APR – Annual Percentage Rate. Rates effective as of 7/1/2022 and subject to change without notice. HOCU membership required.

1Up to 90% LTV: maximum credit limit $200,000, for qualified borrowers with a minimum credit score of 660. Subject to credit approval. Home Equity Line of Credit is a variable rate loan. The rate is tied to an index, the monthly average of the Six Month Treasury Bill Rate (Auction High), to which a margin is added. This rate is adjusted quarterly (5.00% APR min. & 18.00% APR max).

2Up to 100% LTV: Maximum credit limit $150,000, for qualified borrowers with a minimum credit score of 720. Subject to credit approval. Home Equity Line of Credit is a variable rate loan. The rate is tied to an index, the monthly average of the Six Month Treasury Bill Rate (Auction High), to which a margin is added. This rate is adjusted quarterly (6.00% APR min. & 18.00% APR max).

Program is for fee-simple owner occupied properties located in Hawaii with combined loan to value ratios above 80% and no more than 100%. You can obtain credit advances for 8 years (draw period). At the time you establish the plan you will have your choice of a 216 or a 360 month payoff period. You must pay certain fees to third parties to open the plan. These fees generally total between $250.00 and $3,500.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties.

Max LoanRepayment TermDraw PeriodVariable (APR*)Rate UpdateRemarks

$350,000
$250,000

18/30 yr – 1st¹
18 yr – 2nd²

8 yr
8 yr

5.50%
5.75%

July 1, 2022

As high as 70% loan to value.

*APR – Annual Percentage Rate. Rates effective as of 7/1/2022 and subject to change without notice.  HOCU membership required.

¹Home Equity Line of Credit is a variable rate loan. The rate is tied to an index, the monthly average of the Six Month Treasury Bill Rate (Auction High), to which a margin is added. This rate is adjusted quarterly (5.50% APR min. & 18.00% APR max). Program is for fee-simple rental properties in the 1st position with a maximum loan to value ratio of 70%. You can obtain credit advances for 8 years (draw period). At the time you establish the plan you will have your choice of a 216 or a 360 month payoff period. You must pay certain fees to third parties to open the plan. These fees generally total between $250.00 and $3,500.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties.

²Home Equity Line of Credit is a variable rate loan. The rate is tied to an index, the monthly average of the Six Month Treasury Bill Rate (Auction High), to which a margin is added. This rate is adjusted quarterly (5.75% APR min. & 18.00% APR max). Program is for fee-simple rental properties in the 2nd position with a maximum combined loan to value ratio of 70%. You can obtain credit advances for 8 years (draw period). When the draw period ends you will have a 216 month payoff period. You must pay certain fees to third parties to open the plan. These fees generally total between $250.00 and $3,500.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties.

Auto Loans

Max LoanMax TermFixed (APR*)Rate UpdateRemarks

No Maximum

5 yr

6 yr

7 yr

1.99%

2.59%

3.69%

January 1, 2022

New car must be an electric or hybrid vehicle powered by alternative fuels.

*APR – Annual Percentage Rate. Rates effective as of 1/1/2022 and subject to change without notice.  HOCU membership required.

Rates “as low as” based on creditworthiness. Actual rates may differ based on credit score.  Example: monthly payments on a $10,000 loan could be as low as $175.25 for 60 months.

Vehicle must be licensed and registered in the State of Hawaii.

Max LoanMax TermFixed (APR*)Rate UpdateRemarks

No Maximum

3 yr
4 yr
5 yr
6 yr
7 yr

1.99%
2.09%
2.29%
2.69%
4.09%

July 1, 2022

Up to 120% of invoice or MSRP (whichever is less).

*APR – Annual Percentage Rate. Rates effective as of 7/1/2022 and subject to change without notice.  HOCU membership required.

Rates “as low as” based on creditworthiness. Actual rates may differ based on credit score.  Example: monthly payments on a $10,000 loan could be as low as $287.26 for 36 months; $218.66 for 48 months; $179.21 for 60 months; $155.51 for 72 months; $138.50 for 84 months.

Vehicle must be licensed and registered in the State of Hawaii.

Max LoanMax TermFixed (APR*)Rate UpdateRemarks

No Maximum

3 yr
4 yr
5 yr
6 yr

2.29%
2.49%
2.99%
3.89%

July 1, 2022

Up to 120% of Kelly Blue Book – Retail. Maximum age of used vehicle is 9 years old.

*APR – Annual Percentage Rate. Rates effective as of 7/1/2022 and subject to change without notice.  HOCU membership required.

Rates “as low as” based on creditworthiness. Actual rates may differ based on credit score.  Example: monthly payments on a $10,000 loan could be as low as $287.26 for 36 months; $218.66 for 48 months; $179.21 for 60 months; $155.51 for 72 months.

Vehicle must be licensed and registered in the State of Hawaii.

Personal Loans

Max LoanMax TermFixed (APR*)Rate Update

$20,000

1 yr
2 yr
3 yr
4 yr
5 yr

4.99%
6.99%
7.99%
8.99%
9.99%

January 1, 2022

*APR – Annual Percentage Rate. Rates effective as of 1/1/2020 and subject to change without notice.  HOCU membership required.

Rates “as low as” based on creditworthiness. Actual rates may differ based on credit score.  Example: monthly payments on a $10,000 loan could be as low as $856.04 for 12 months; $447.69 for 24 months; $313.32 for 36 months; $248.81 for 48 months; $212.44 for 60 months.

Max LoanMax TermVariable (APR*)Rate UpdateRemarks

$50,000

12 yr

3.098%

January 1, 2020

100% of funds on deposit.

*APR – Annual Percentage Rate. Rates effective as of 1/1/2020 and subject to change without notice. HOCU membership required.

Regular Share Secured variable rate – 2.50% above Regular Share dividend rate and adjusted monthly (3.098% APR min. – 18.00% APR max.)

Max LoanFixed (APR*)Rate UpdateRemarks

$5,000

12.00%

January 1, 2020

Minimum monthly payment is the greater of $50 or 3% of the balance outstanding.

*APR – Annual Percentage Rate. Rates effective as of 1/1/2020 and subject to change without notice. HOCU membership required.

PV/Solar Loans

Max LoanMax TermFixed (APR*)Rate Update

$50,000

5 yr
8 yr
10 yr

Refinance Term**

6 yr
8 yr

2.49%
2.99%
3.24%

Refinance Rate**

2.74%
2.99%

January 1, 2020

*APR – Annual Percentage Rate. Rates effective as of 1/1/2020 and subject to change without notice.  HOCU membership required.

Rates “as low as” based on creditworthiness. Actual rates may differ based on credit score. Owner-occupied properties only. Example: monthly payments on a $10,000 loan could be as low as $177.44 for 60 months; $117.26 for 96 months; $97.68 for 120 months.

**Rates “as low as” based on creditworthiness. Actual rates may differ based on credit score. Owner-occupied properties only. Example: monthly payments on a $10,000 loan could be as low as $181.89 for 60 months; $156.42 for 72 months.

Credit Cards

Max LoanMax TermFixed (APR*)Rate Update

$25,000

3% of balance/month

13.75%

No annual fee, up to 25 day grace period.

*APR – Annual Percentage Rate. Rates effective as of 1/1/2020 and subject to change without notice.  HOCU membership required.

Balance transfer fee (finance charge): 3.00% of each balance transfer.

Max LoanMax TermFixed (APR*)Rate UpdateRemarks

$25,000

3% of balance/month

10.75%

January 1, 2020

No annual fee, up to 25 day grace period.

* APR – Annual Percentage Rate. Rates effective as of 1/1/2020 and subject to change without notice.  HOCU membership required.

Balance transfer fee (finance charge): 3.00% of each balance transfer.

Max LoanMax TermFixed (APR*)Rate UpdateRemarks

$25,000

3% of balance/month

9.75%

January 1, 2020

No annual fee, up to 25 day grace period.

*APR – Annual Percentage Rate. Rates effective as of 1/1/2020 and subject to change without notice.  HOCU membership required.

Balance transfer fee (finance charge): 3.00% of each balance transfer.

Max LoanMax TermFixed (APR*)Rate UpdateRemarks

$50,000

3% of balance/month

6.99%

January 1, 2020

No annual fee, up to 25 day grace period.

*APR – Annual Percentage Rate. Rates effective as of 1/1/2020 and subject to change without notice.  HOCU membership required.

Balance transfer fee (finance charge): 3.00% of each balance transfer.

WORKING TOGETHER FOR A BRIGHTER FUTURE.

EARN MORE WITH KASASA REWARDS

FREE, REWARDS CHECKING

Solar Loan Promotion

NEW LOANS AVAILABLE FOR AS LOW AS 2.49% APR*

Student Loan Refinance

WORRY ABOUT YOUR FUTURE, NOT YOUR DEBT

With over 30,000 surcharge-free CO-OP network ATMs across Hawaii and nationwide, HOCU makes accessing your money easier for you. Call us at 777-JOIN to learn more!

You are now leaving myhocu.com

HOCU provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by HOCU, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL