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Current Rates & Fees
Rates subject to change
EFFECTIVE May 1, 2013

 

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





     Equal Housing Lender      NCUA

 

 Checking
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Type Minimum Deposit Minimum Balance to Earn APY Dividend Rate APY
Regular Checking $0.00 $0.00 0.000% 0.000%
Plus Checking $2,500.00 $2,500.00 0.050% 0.050%
  • 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: Free Checks with minimum balance of $2,500




 Savings
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Type Minimum Deposit Minimum Balance to Earn APY Dividend Rate APY
Membership Savings $50.00 $100.00 0.150% 0.150%
Christmas Savings $25.00 $25.00 0.250% 0.250%
Special Savings $0.00 $100.00 0.150% 0.150%
  • 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
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Account Balance Dividend Rate APY
$0.00 to $49,999.99 0.100% 0.100%
$50,000.00 to $99,999.99 0.200% 0.100% - 0.200%
$100,000.00 to $499,999.99 0.300% 0.200% - 0.300%
$500,000.00 or more 0.000% 0.300% - 0.000%
  • 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
  • $25,000.00 minimum balance to earn dividends




 IRA Savings
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Type Minimum Deposit Minimum Balance to Earn APY Dividend Rate APY
Traditional & Roth $0.00 $100.00 0.150% 0.150%
  • 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
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Type Minimum Deposit Dividend Rate APY
6 months $2,500.00 0.250% 0.250%
12 months $2,500.00 0.350% 0.350%
18 months $2,500.00 0.450% 0.450%
24 months $2,500.00 0.600% 0.600%
36 months $2,500.00 0.800% 0.800%
  • 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
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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
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Type Occupancy Term Interest rate Points APR LTV
First Mortgage
Primary Residence
180 Months 4.625% 0.0 4.640% 80%
First Mortgage
Primary Residence
360 Months 5.125% 0.0 5.134% 80%
Second Mortgage
Primary Residence
180 Months 6.625% 0.0 6.641% *
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
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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
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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
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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
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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
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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
 
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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
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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 Leading the Way