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HELOC Special!

When looking over all your bills, are you overcome by a wave of confusion? Are you searching for a way to consolidate your bills?  Well, CU Hawaii’s Home Equity Line of Credit (HELOC) can sure help! 

Using the equity in your home is one of the most cost effective ways to consolidate your debt into one affordable monthly payment. 

The CU Hawaii Home Equity Line is there to help you, especially during these difficult economic times. 

There are no closing costs, monthly payments are very affordable and you receive a higher combined loan to value. You ask, “What does this mean to you?” 

1. All closing costs are waived – You don’t have to pay any fees when you make your CU Hawaii Home Equity Line.*
2. Affordable Monthly Payments – Because we amortize our Home Equity Line of Credit over a 20 year period, your payments are lower than the usual 15 years or less (commonly found in the industry).*

Example:

3. A Higher combined Loan to Value – We are able to grant lines up to 100% of the equity in your home.  Other institutions usually only go up to 80%.

Basically, this means… More money in your pocket!  

Now, we may not be able to get rid of all of your bills, but we sure can make it easier on your finances. 

Feel free to visit any CU Hawaii Mortgage Loan Officer or call us at 933-6700 for more details.

Don’t wait… Consolidate!

 *CU Hawaii Federal Credit Union will pay for all necessary closing costs on approved lines, however if line is closed between the 5 year draw period, member is responsible for reimbursing credit union for all fees.  Estimated closing costs will be between $0-$3,000. 4.50% APR fixed for 1 year upon approved credit. Available to credit worthy borrowers. After 1 year, the APR will be based upon the 3-month US Treasury Bill rate plus a margin of 3%.  Not to exceed 18%. Available for a limited time only and subject to change without notice.  Certain restrictions apply.

Home Banking Features!

For your convenience, two new features have been added to Home Banking.  'Scheduled Transfers' and 'Notifications'. 

The 'Scheduled Transfers' feature will allow you to do exactly that, schedule transfers within your account.  You may schedule them daily, weekly, monthly or once only. Transfers can be made from savings to checking, checking to savings, savings to loan and checking to loans.  Upon completion of your scheduled transfer, you will receive a verification email.  Please be aware that transfers from a non-transactional account, such as savings and money manager accounts, will fall under Regulation D (see Regulation D in our Disclosure section for more details).  If the Reg D limit is reached, the transfer will not be completed.  You will then receive an email stating that the transfer has failed.  

The 'Notifications' feature allows you to receive notifications regarding information on your account.  For example, you can set Home Banking to notify you when the balance in your savings account drops below a certain amount.  Another example is that you can set up Home Banking to notify you when your CD is about to mature.  Notifications can also be scheduled for non-transactional events. It can act as your personal reminder (i.e. Pick up the kids at 3:00 on November 12th).

Feel free to use these new services to help you keep track of your finances.  If you have any questions, please contact us at 808 933-6700 or via email at info@cuhawaii.com.

Member Surveys

We at CU Hawaii value your membership and in order to better serve you, we are conducting brief member surveys in an effort to learn what’s important to our members and how well our services are meeting your needs.  Your opinions are very important to us and will help us provide improved services for you in the future.  We will be asking you to complete a member survey at our five branch locations and would greatly appreciate your feedback.  Thank you for your time and effort in helping us better serve our membership.