CU Hawaii Federal Credit Union

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Current Rates & Fees

Rates subject to change
EFFECTIVE Jan 1, 2012

Savings and Investments	Loans
Checking	Auto Loans
Savings	Business Credit Card
Money Market	Construction Loans
IRA	HELOC
Certificates	Personal Loans
	Residential Mortgage Loans
	Savings / Certificate Secured
	Vacant Land Loans
	VISA / Line of Credit
View our Rate & Fee and Truth-in-Savings Disclosure

Checking		Back to TOP of this page
Type	Minimum Deposit	Dividend Rate	APY
Regular Checking	$0	0.00%	0.00%
Plus Checking	$2,500	0.05%	0.05%
APY: Annual Percentage Yield No monthly fee Unlimited check writing No fees for Qwik Check Debit Card usage (on approved credit) Regular Checking: No minimum balance required Plus Checking: $2,500 Minimum Balance required to earn dividends Plus Checking: Free Checks with minimum balance of $2,500

Savings		Back to TOP of this page
Type	Minimum Deposit	Dividend Rate	APY
Membership Savings	$50	0.250%	0.250%
Christmas Savings	$25	0.400%	0.400%
Special Savings	$0	0.250%	0.250%
APY: Annual Percentage Yield No early withdrawal penalty Organizational Savings: Available to any organization, where at least one person is eligible for membership Dividends compounded daily and paid monthly, except Christmas Savings Christmas Savings: Penalty assessed if withdrawal made before annual term; Dividends paid at maturity For Youth Accounts (Moola Moola and Kid's Club) the minimum opening and required balance is $5.00

Money Market	Back to TOP of this page
Account Balance	Dividend Rate	APY
$100 to $2,499	0.000%	0.000%
$2,500 to $24,999	0.050%	0.050%
$25,000 to $49,999	0.150%	0.150%
$50,000 to $99,999	0.250%	0.250%
$100,000 or more	0.350%	0.350%
APY: Annual Percentage Yield Money Market is a tiered rate account Minimum $2,500 initial deposit Excess withdrawal/transfer fees apply Dividends compounded daily and paid monthly Certain restrictions apply

IRA Savings		Back to TOP of this page
Type	Minimum Deposit	Dividend Rate	APY
Traditional & Roth	$0	0.250%	0.250%
APY: Annual Percentage Yield No setup charges or annual maintenance fees Dividends compounded daily and paid monthly No withdrawals before age 59 and a half without penalty Maximum annual contribution applies Members 50 years of age or older allowed additional $1,000 contribution per year

Certificates & IRA Certificates		Back to TOP of this page
Type	Minimum Deposit	Dividend Rate	APY
6 months	$2,500	0.450%	0.450%
12 months	$2,500	0.550%	0.550%
18 months	$2,500	0.800%	0.800%
24 months	$2,500	1.000%	1.000%
36 months	$2,500	1.100%	1.100%
APY: Annual Percentage Yield No setup charges or annual maintenance fees Dividends earned daily and paid monthly Early withdrawal penalty applies Additional deposits not permitted Additional IRA specific features: No withdrawals before age 59 and a half without penalty Maximum annual contribution applies Members 50 years of age or older allowed additional $1,000 contribution per year Dividends paid to either savings or checking account monthly or at maturity

Auto Loans		Back to TOP of this page
Type	Maximum Term	APR
New Auto	Up to 36 Months	As low as 3.25%
New Auto	Up to 48 Months	As low as 3.75%
New Auto	Up to 60 Months	As low as 4.00%
New Auto	Up to 72 Months	As low as 4.50%
New Auto	Up to 84 Months	As low as 5.00%
Used Auto	Up to 36 Months	As low as 3.75%
Used Auto	Up to 48 Months	As low as 4.25%
Used Auto	Up to 60 Months	As low as 4.50%
Used Auto	Up to 72 Months	As low as 5.00%
APY: Annual Percentage Rate Interest rate determined by credit score Rates are fixed Upon approved credit Interest Rate discount for 20% cash down payment Interest Rate discount for automatic payment Interest Rate discount for web-loan application No prepayment penalty New: Current or prior year model not previously titled Used: Previously titled; 80,000 miles maximum Used autos exceeding 80,000 miles, see Personal Loan Rates

Residential Mortgage Loans			Back to TOP of this page
Type	Occupancy	Term	Interest rate	Points	APR	LTV
First Mortgage	Primary Residence	180 Months	5.000%	0.0	5.015%	80%
First Mortgage	Primary Residence	360 Months	5.500%	0.0	5.509%	80%
Second Mortgage	Primary Residence	180 Months	7.000%	0.0	7.016%	*
First Mortgage	Second Home Residential	180/360 Months **	5.500%	0.5	5.514%	75%
First Mortgage	Investor Residential	180/360 Months **	6.000%	1.0	6.158%	75%
APR: Annual Percentage Rate Rates are fixed Upon approved credit Refinancing available No prepayment penalty APR and payment amount based on loan amount of $100,000 Payment amount excludes provision for property taxes and insurance 80% financing (20% downpayment) * Second Mortgate - CLTV of 80% ** 180 month term with 360 month amortization. Balloon payment due at end of 180 months.

Vacant Land Loans			Back to TOP of this page
Type	Occupancy	Term	Interest rate	Points	APR	LTV
Vacant Land	Future Primary Residence	180 Months	7.250%	0.0	7.266%	80%
Vacant Land	Investor Residential	180 Months	7.750%	0.5	7.848%	75%
APR: Annual Percentage Rate Rates are fixed Upon approved credit Refinancing available No prepayment penalty APR and payment amount based on loan amount of $100,000 Payment amount excludes provision for property taxes and insurance 80% financing (20% downpayment)

HELOC			Back to TOP of this page
Type	Index Rate	CLTV	Margin Added to Index	Points	APR
Introductory Rate	4.500%			0.0	4.500%
Current Rate	0.220%	80%	3.00%	0.0	4.500%
APR: Annual Percentage Rate The Introductory Rate of 4.50% APR is fixed for 1 year upon approved credit After 1 year, the APR will be based upon the 6-month US Treasury Bill constant maturity rate plus a margin of 3% 3% margin based on CLTV (Combine Loan to Value) of 80% or less (rounded up to nearest 0.25%) Price floor is 4.50%, max rate not to exceed 18% CU Hawaii Federal Credit Union will pay for all necessary closing costs on approved lines; however, if line is closed within 5 years, member is responsible for reimbursing the credit union for all fees. Estimated closing costs will approximately be between $0-$3,000 Rates are subject to change without notice Certain restrictions apply No prepayment penalty

Construction Loans			Back to TOP of this page
Type	Term	Interest Rate	Points	APR	LTV
Construction - Contractor	372 Months	6.000%	1.0	6.100%	80%
Construction - Owner Builder	372 Months	6.500%	1.5	6.650%	80%
Construction - Investor (Balloon)	180/360 Months *	6.500%	1.5	6.685%	70%
APR: Annual Percentage Rate 1 year construction period Construction Permanent Financing Construction Loan converts to long term 1st Mortgage Financing * 180 month term with 360 month amortization. Balloon payment due at end of 180 months.

Business Credit Card		Back to TOP of this page
Type	Annual Fee	Interest Rate	Credit Limit
Business Credit Card	None	11.00%	Up to $50,000
APR: Annual Percentage Rate Rates are fixed

VISA / Line of Credit		Back to TOP of this page
Type	Annual Fee	APR	Credit Limit
Visa Classic	None	15.25%	$500 to $5,000
Visa Gold	None	11.0%	Starting from $5,000
Visa Platinum	None	9.0%	Up to $25,000
Visa Platinum + Travel	$25	9.0%	Up to $25,000
Overdraft Protection	None	17.75%	$500 to $10,000
Line of Credit	None	As low as 10%	$500 to $10,000
APR: Annual Percentage Rate Rates are fixed Upon approved credit Earn one (1) point for every dollar spent with Visa Platinum + Travel credit card

Personal Loans		Back to TOP of this page
Maximum Term	Minimum Loan	APR
Up to 12 Months	$500	As low as 5.50%
Up to 36 Months	$1,000	As low as 6.25%
Up to 60 Months	$1,500	As low as 7.25%
APR: Annual Percentage Rate Rates are fixed APR (Annual Percentage Rate) determined by applicant's credit score Discounts for web-loan application and/or automatic payments No prepayment penalty

Savings / Certificate Secured	Back to TOP of this page
Type	Term	APR
Savings	Up to 10 Years	Savings Rate plus 2.00%
Certificate	Up to Certificate Maturity Date	Certificate Rate plus 2.00%
APR: Annual Percentage Rate Savings Secured: Floating APR Certificate Secured: Fixed APR No prepayment penalty

Rates subject to change

CU Hawaii Federal Credit Union

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