Rates

TODAY’S 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

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

$350,000

18/30 yr

8 yr

3.99%

1.99%
2.75%

July 1, 2020

1.99% for 2 yrs, 2.75% for 3 years, then variable rate thereafter. Currently 3.99%. As high as 80% loan to value.

*APR – Annual Percentage Rate. Rates effective as of 7/1/2020 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 (3.99% 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

$250,000

18/30 yr

8 yr

4.99%

July 1, 2020

No prepayment penalty.

*APR – Annual Percentage Rate. Rates effective as of 7/1/2020 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 (4.99% 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 90%. 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

4.49%
5.25%

July 1, 2020

As high as 70% loan to value.

*APR – Annual Percentage Rate. Rates effective as of 7/1/2020 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 (4.49% 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 (4.74% 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

1.99%

January 1, 2020

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

*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 $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

2.19%
2.39%
2.89%
3.79%
4.39%

January 1, 2020

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

*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 $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

2.19%
2.39%
2.89%
3.79%

January 1, 2020

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 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 $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, 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.  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**

5 yr
6 yr

2.49%
2.99%
3.24%

Refinance Rate**

3.49%
3.99%

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.

Kasasa

Min BalanceAPY*When Paid**Rate UpdateRemarks

$0 – $10,000

2.50%

Monthly

January 1, 2020

Balances over $10,000 earns 0.25% APY & ATM refunds nationwide based on meeting cycle qualifications.

Earn 0.03% APY if cycle qualifications not met.

*APY – Annual Percentage Yield. APYs accurate as of 1/19/2016. Rates may change after account is opened. If qualifications are met each monthly qualification cycle: (1) balances up to $10,000 receive APY of 2.50%; and (2) balances over $10,000 earn 0.25% dividend rate on portion of balance over $10,000, resulting in 2.50%-0.45% APY depending on the balance. If qualifications are not met, all balances earn 0.03% APY.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. All accounts are insured up to $250,000 by the NCUA. IRA and other Trust Accounts are insured separately up to $250,000 by the NCUA.

Minimum to open a Kasasa checking is $5.00. HOCU/Honolulu Federal Credit Union membership is also required. Qualifying transactions must post to and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” is defined as a period beginning on the last business day of the prior calendar month and ending on the next-to-last business day of the calendar month in which dividends are paid. Limit one Kasasa Checking account and one Kasasa Saver account per Social Security Number. Federally insured by NCUA.

Plus, ATM Refunds nationwide. Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $25.00 ($4.99 per single transaction) and credited to the account on the first day of the next monthly statement cycle.

Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A. iTunes® is a registered trademark of Apple Inc. Google Play™ is a registered trademark of Google LLC. Amazon’s trademark is used under license from Amazon.com, Inc. or its affiliates.

Min BalanceWhen Paid**Remarks

$0

Monthly

3.00%* cash back for up to the first $300 in debit card purchases & ATM fees nationwide based on meeting cycle qualifications.

*When monthly qualifications are met, you receive 3.00% cash back on debit card purchases that post to and settle account during monthly qualification cycle up to a total cash back of $9.00 per monthly qualification cycle.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. All accounts are insured up to $250,000 by the NCUA. IRA and other Trust Accounts are insured separately up to $250,000 by the NCUA.

Minimum to open a Kasasa checking is $5.00. HOCU/Honolulu Federal Credit Union membership is also required. Qualifying transactions must post to and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” is defined as a period beginning on the last business day of the prior calendar month and ending on the next-to-last business day of the calendar month in which dividends are paid. Limit one Kasasa Checking account and one Kasasa Saver account per Social Security Number. Federally insured by NCUA.

Plus, ATM Refunds nationwide. Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $25.00 ($4.99 per single transaction) and credited to the account on the first day of the next monthly statement cycle.

Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A. iTunes® is a registered trademark of Apple Inc. Google Play™ is a registered trademark of Google LLC. Amazon’s trademark is used under license from Amazon.com, Inc. or its affiliates.

Min BalanceWhen Paid**Remarks

$0

Monthly

Earn up to $10* in refunds for iTunes, Amazon.com and Google Play for debit card purchases & ATM refunds nationwide based on meeting cycle qualifications.

*You will be refunded up to $20.00 for Google Play™, iTunes® and/or Amazon® purchases that post to and settle account during the first 60 days after you open account. Refunds will be credited to account on the first day of the next statement cycle in which refundable purchases were made. In addition, each qualification cycle, earn up to $10.00 in refunds of Google Play™, iTunes and/or Amazon® purchases if qualifications are met during previous monthly qualification cycle. Purchases must be made with debit card associated with your Kasasa Tunes account.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. All accounts are insured up to $250,000 by the NCUA. IRA and other Trust Accounts are insured separately up to $250,000 by the NCUA.

Minimum to open a Kasasa checking is $5.00. HOCU/Honolulu Federal Credit Union membership is also required. Qualifying transactions must post to and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” is defined as a period beginning on the last business day of the prior calendar month and ending on the next-to-last business day of the calendar month in which dividends are paid. Limit one Kasasa Checking account and one Kasasa Saver account per Social Security Number. Federally insured by NCUA.

Plus, ATM Refunds nationwide. Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $25.00 ($4.99 per single transaction) and credited to the account on the first day of the next monthly statement cycle.

Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A. iTunes® is a registered trademark of Apple Inc. Google Play™ is a registered trademark of Google LLC. Amazon’s trademark is used under license from Amazon.com, Inc. or its affiliates.

Min BalanceAPY*When Paid**Rate UpdateRemarks

$0 – $10,000

0.30%

Monthly

January 1, 2020

Based on meeting cycle qualifications with balances over $10,000 earning 0.15% APY.

0.03% APY if cycle qualifications not met.

*APY – Annual Percentage Yield. A Kasasa Cash or Kasasa Cash Back account is required to have a linked Kasasa Saver account for automatic savings. If qualifications in Kasasa Cash or Kasasa Cash Back checking are met each monthly qualification cycle: (1) balances up to $10,000 in Kasasa Saver receive an APY of 0.30%; and (2) balances over $10,000 in Kasasa Saver earn 0.15% dividend rate on the portion of the balance over $10,000, resulting in 0.03% – 0.16% APY depending on the balance. If qualifications are not met on Kasasa Cash or Kasasa Cash Back checking, all balances in the Kasasa Saver earn 0.03% APY.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. All accounts are insured up to $250,000 by the NCUA. IRA and other Trust Accounts are insured separately up to $250,000 by the NCUA.

Minimum to open a Kasasa checking is $5.00. HOCU/Honolulu Federal Credit Union membership is also required. Qualifying transactions must post to and settle to the account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification Cycle” is defined as a period beginning on the last business day of the prior calendar month and ending on the next-to-last business day of the calendar month in which dividends are paid. Limit one Kasasa Checking account and one Kasasa Saver account per Social Security Number. Federally insured by NCUA.

Plus, ATM Refunds nationwide. Domestic ATM fees incurred during the qualification cycle will be reimbursed up to $25.00 ($4.99 per single transaction) and credited to the account on the first day of the next monthly statement cycle.

Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Tunes and Kasasa Saver are trademarks of BancVue, Ltd., registered in the U.S.A. iTunes® is a registered trademark of Apple Inc. Google Play™ is a registered trademark of Google LLC. Amazon’s trademark is used under license from Amazon.com, Inc. or its affiliates.

Share Rates

Min BalanceAPY*When Paid**Rate UpdateRemarks

$5

0.10%

Monthly

May 1, 2020

Balances under $100 do not earn dividends.

*APY – Annual Percentage Yield.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

Min BalanceAPY*When Paid**Rate UpdateRemarks

$200 ADB

0.10%

Monthly

April 1, 2020

A $5 monthly fee will be charged if average daily balance (ADB) is below $200.

*APY – Annual Percentage Yield.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

Min BalanceAPY*When Paid**Rate Update

$5

0.15%

Monthly

January 1, 2020

*APY – Annual Percentage Yield.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

Min BalanceAPY*When Paid**Rate Update

$5 – $1,999.99

$2,000 – $9,999.99

$10,000+

0.20%

0.30%

0.35%

Monthly

January 1, 2020

*APY – Annual Percentage Yield.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

Min BalanceAPY*When Paid**Rate UpdateRemarks

$2,000 – $4,999.99
$5,000 – $49,999.99
$50,000 – $99,999.99
$100,000 – $499,999.99
$500,000+

0.15%
0.20%
0.25%
0.25%
0.40%

Monthly

May 1, 2020

Based below $2,000 earns 0.10% APY.

For members age 55+, add 0.05% to Shares Plus rates (for balances of $2,000+).

*APY – Annual Percentage Yield.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

Business Share Rates

Min BalanceInterest Rate Per AnnumAPY*When Paid**Rate UpdateRemarks

$100

0.100%

0.10%

Monthly

May 1, 2020

Balances under $100 do not earn dividends.

*APY – Annual Percentage Yield.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

Min BalanceInterest Rate Per AnnumAPY*Rate UpdateRemarks

$500

None

None

March 1, 2018

A $5 monthly fee will be charged if average daily balance (ADB) is below $500.

*APY – Annual Percentage Yield.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

Min BalanceInterest Rate Per AnnumAPY*When Paid**Rate UpdateRemarks

$50,000 – $99,999.99

$100,000 – $499,999.99

$500,000+

0.200%

0.250%

0.400%

0.20%

0.25%

0.40%

Monthly

May 1, 2020

Balance below $50,000 earns 0.20% APY.

*APY – Annual Percentage Yield.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

Certificates

Type of AccountMin BalanceAPY*When Paid**Rate UpdateRemarks

6 mo
1 yr
18 mo
2 yr
3 yr

$500

0.75%
1.00%
1.10%
1.20%
1.30%

Monthly

July 1, 2020

Penalty for early withdrawal on all certificates.
Early withdrawal fees may reduce earning and principal.
For members age 55+, add 0.05% to all certificate rates.

*APY – Annual Percentage Yield.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

Type of AccountMin BalanceAPY*When Paid**Rate UpdateRemarks

6 mo
1 yr
2 yr
3 yr

$10,000
$10,000
$6,000
$6,000

0.80%
1.00%
1.25%
1.35%

Monthly

July 1, 2020

Penalty for early withdrawal on all certificates.
Early withdrawal fees may reduce earning and principal.
Call for special Jumbo rates.
For members age 55+, add 0.05% to all certificate rates.

*APY – Annual Percentage Yield.

**Dividends/rewards paid monthly. Contact CU for applicable fees and terms. Family members are welcome to join! All rates are subject to change without notice. Your savings are federally insured to at least $250,000 by the NCUA. IRA and other Trust Accounts are insured separately to at least 250,000 by the NCUA.

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NEW LOANS AVAILABLE FOR AS LOW AS 2.49% APR*

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