Loan Rates | Dividend Rates | Certificate Rates | Home
Loan Rates
April 16, 2008 to July 15, 2008
|
Loan Type |
Term |
Maximum Amount |
APR |
|
Personal |
1 to 7 Years |
$20,000 |
As low as 7.00+ |
| + 0.25% discount with Auto Pay, net payroll assignment into share draft account. |
|
New Auto |
3 to 7 Years* |
100% of Cost |
As low as 4.50+ |
* 6 and 7 year financing available only for autos priced $15,000 or more.
+ 0.25% discount with Auto Pay. |
|
Pre-Owned Auto |
3 to 5 Years |
Lower of 90% retail Bluebook Value or 100% cash price |
As low as 4.50+ |
| + 0.25% discount with Auto Pay, net payroll assignment into share draft account. |
|
VISA - Classic |
N/A |
$6,500 |
9.90** |
|
N/A |
$6,500 |
13.50 |
|
VISA - Gold |
N/A |
$15,000 |
9.90** |
|
N/A |
$15,000 |
12.00 |
| ** Available
to members who have $500 or more monthly payroll assignment
or direct deposit to a share account at Hawaii Central |
|
Line of Credit |
3 Years |
$6,500 |
12.00 |
|
Share Secured |
12 Months, up to 12 years amortization |
Shares Pledged |
S + 2.50% |
|
Certificate (non-IRA) |
Maturity Date |
certificate value |
S + 3% |
|
Equity Line of Credit (Made after 12/1/92) Fee Simple House |
15 Years |
up to 80% LTV net of 1st mortgage balance |
5.00² (eff.4/1/08) |
|
Equity Line of Credit (Made after 12/1/92) Fee Simple Town house/Condo |
15 Years |
up to 75% LTV net of 1st mortgage balance |
5.00² (eff.4/1/08) |
|
Equity Line of Credit (Made after 1989; eff.10/1/96) |
15 Years |
Advances Only |
9.00 |
|
Equity Line of Credit (Made 1989 or before) |
15 Years |
Advances Only |
9.00 |
| ² Weekly
Auction Average of the 91 day Treasury Bill Rate of the prior
quarter +3.25% margin; Closing costs may range from $400 to
$1,125; Maximum rate 18.00% APR. For 90% loan to value ratio
please call the Loan Department. |
| Adjustable Rate Mortgages (ARM) available. Please call Loan Department at 536-0833 for information. |
|
Fixed Rate Second Mortgage (Owner-Occupant) |
15 Years (No points) |
80% of appraisal net 1st mortgage balance for houses and 75% for townhouses and condominiums |
6.25 |
|
Fixed Rate Second Mortgage (Investment Property) |
12 Years (No points) |
60% of appraisal net 1st mortgage balance |
6.25 |
|
Loan Policies: 1. You need a minimum of
$25 in your share account before you
can apply for a loan. 2. You must have
at least 1 year of continued
employment, and you must have passed
the probationary period with your
current employer. Exception: Share
loans and retirees. 3. Maximum
aggregate of Signature Loans and Line
of Credit is $20,000. 4. Refinancing
an existing HCCU loan: At least three
payments must be made on the existing
loan. Additional funds ($500 or up to
your credit limit) must be requested
with the refinance. Actual loan amount
granted subject to credit evaluation.
5. Based on the discretion of the loan
officer and/or credit committee,
additional collateral or down payment
may be requested. 6. You must be a
resident of the State of Hawaii.
These rates and terms are subject to
change without notice. |
Loan Rates | Dividend Rates | Certificate Rates | Home
Dividend Rates
|
Share Type |
Minimum Balance |
Rate |
APY |
|
Regular Share (Savings)* |
$100 |
1.24% |
1.25% |
|
IRA Share Account* |
$50 |
1.59% |
1.60% |
|
The above rates are declared for quarter ending June 30, 2008. |
|
Super Share Investment** (Eff.-6/1/08) |
$0† |
1.49% |
1.50% |
| $50,000.01 |
1.98% |
2.00% |
|
Super Draft Checking** |
None |
0.40% |
0.40% |
|
$2,500 |
0.55% |
0.55% |
|
Santa's Helper Christmas Savings***
|
$10 |
1.85% |
1.85% |
|
APY=Annual Percentage Yield *Dividends
are compounded and credited quarterly.
**Dividends are compounded and
credited monthly. †Minimum balance to avoid a fee on Super Share Investment Accounts is $2,500. If the balance drops below $2,500 during the month, there will be a $5.00 fee. ***Dividends are not
compounded and will be credited to
your account at club termination.
Minimum balance requirements apply to
daily balance. All rates are variable.
This means the dividend rate and
annual percentage yield may change
every dividend period as determined by
the Board of Directors. The Dividend
Rates and Annual Percentage Yields are
the prospective rates and yields that
the credit union anticipates paying
for the applicable dividend period. If
you have any questions or need current
rate information, please call
(808)536-3677. Fees could reduce
earnings on these accounts. |
Federally
insured by NCUA
Loan Rates | Dividend Rates | Certificate Rates | Home
Share and IRA Certificate Rates
As of July 2, 2008
|
Term |
Minimum |
Rate |
APY |
| Regular Share Certificates-Level I |
|
91 Days |
$500 |
1.99% |
2.00% |
|
6 Months |
$500 |
2.47% |
2.50% |
|
1Year |
$500 |
2.48% |
2.50% |
|
18 Months |
$500 |
2.48% |
2.50% |
|
30 Months |
$500 |
2.72% |
2.75% |
|
60 Months |
$500 |
2.72% |
2.75% |
| Regular Share Certificates-Level II |
|
91 Days |
$5,000 |
1.99% |
2.00% |
|
6 Months |
$5,000 |
2.47% |
2.50% |
|
1Year |
$5,000 |
2.72% |
2.75% |
|
18 Months |
$5,000 |
2.72% |
2.75% |
|
30 Months |
$5,000 |
2.97% |
3.00% |
|
60 Months |
$5,000 |
2.97% |
3.00% |
| Regular Share Certificates-Level III |
|
91 Days |
$10,000 |
2.23% |
2.25% |
|
6 Months |
$10,000 |
2.47% |
2.50% |
|
1Year |
$10,000 |
2.72% |
2.75% |
|
18 Months |
$10,000 |
2.72% |
2.75% |
|
30 Months |
$10,000 |
2.97% |
3.00% |
|
60 Months |
$10,000 |
3.21% |
3.25% |
| IRA Share Certificates |
|
6 Months |
$500 |
1.98% |
2.00% |
|
18 Months |
$500 |
2.72% |
2.75% |
|
30 Months |
$500 |
2.97% |
3.00% |
|
60 Months |
$500 |
2.97% |
3.00% |
|
APY=Annual Percentage Yield.
Certificate rates remain fixed for the
term of the certificate. Unless
otherwise paid, dividends for 91 Days,
1 Year, 18 Months, 30 Months and 60
months Regular Share Certificates will
be credited to your account and
compounded quarterly. Dividends for 6
Month Regular Share Certificates will
be compounded and credited monthly to
your account. Dividends on all IRA
Share Certificates are credited to
your account and compounded quarterly.
A penalty may be imposed for
withdrawals before maturity. Rates are
accurate and effective as of the date
indicated and are subject to change
without prior notice. If you have any
questions or need current rate
information, please call
(808)536-3677. |
Federally insured by NCUA
|
