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

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

$350,000

18/30 yr

8 yr

8.50%

6.50%

6.99%

January 1, 2024

6.50% Intro APR for 3 years or 6.99% Intro APR for 5 years, then converts to prevailing variable rate after fixed promotion rate expires. Variable rate currently 8.50%. As high as 80% loan to value.

*APR – Annual Percentage Rate. Rates effective as of 01/01/2024 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 (8.50% APR min. & 18.00% APR max).

6.50% APR fixed for 36 months, or 6.99% APR fixed for 60 months is an introductory rate which starts 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.

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

$200,0001

$150,0002

18/30 yr

18/30 yr

8 yr

8 yr

9.50%

10.50%

January 1, 2024

Between 80.01% – 90% LTV

Between 90.01% – 100% LTV

*APR – Annual Percentage Rate. Rates effective as of 01/01/2024 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 (9.50% 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 (10.50% 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

9.00%
9.25%

January 1, 2024

As high as 70% loan to value.

*APR – Annual Percentage Rate. Rates effective as of 01/01/2024 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 (9.00% 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 (9.25% 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

5.75%

6.00%

7.25%

September 1, 2023

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

*APR – Annual Percentage Rate. Rates effective as of 09/01/2023 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 $192.17 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

5.50%
5.75%
6.00%
6.25%
7.50%

September 1, 2023

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

*APR – Annual Percentage Rate. Rates effective as of 9/1/2023 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 $301.96 for 36 months; $233.71 for 48 months; $193.33 for 60 months; $166.91 for 72 months; $153.38 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

5.75%
6.00%
6.25%
7.25%

September 1, 2023

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 9/1/2023 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 $303.09 for 36 months; $234.85 for 48 months; $194.49 for 60 months; $171.69 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

5.99%
7.99%
8.99%
9.99%
10.99%

September 1, 2023

*APR – Annual Percentage Rate. Rates effective as of 09/01/2023 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 $860.62 for 12 months; $452.23 for 24 months; $317.95 for 36 months; $253.58 for 48 months; $217.37 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

5.99%
6.69%
6.99%

Refinance Rate**

6.49%
6.69%

September 1, 2023

*APR – Annual Percentage Rate. Rates effective as of 9/1/2023 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 $193.28 for 60 months; $134.80 for 96 months; $116.06 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 $168.05 for 72 months; $134.80 for 96 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.

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