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Current Rates



Savings

Type APY*
Membership Savings 0.150%
Special Savings 0.150%

  • No early withdrawal penalty
  • Dividends compounded and credited quarterly


Checking

Type APY*
Regular Checking 0.000%
Plus Checking 0.050%

  • No monthly fee
  • Unlimited check writing
  • No fees for Debit Card usage
  • Dividends compounded and credited quarterly


Money Market

Account Balance APY*
$0.00 to $49,999.99 0.100%
$50,000 to $99,999.99 0.100% - 0.200%
$100,000 to $499,999.99 0.200% - 0.300%
$500,000 or more 0.300% - 0.000%

  • Money Market is a tiered rate account
  • $25.00 minimum opening balance
  • $25.00 minimum balance to earn interest
  • Excess withdrawal/transfer fees apply
  • Dividends compounded and credited quarterly


IRA Savings

Type APY*
Traditional & Roth 0.150%

  • No setup charges or annual maintenance fees
  • Dividends compounded and credited quarterly
  • Please consult your tax advisor


Certificates & IRA Certificates

Type Dividend Rate APY*
6 months 0.250% 0.250%
12 months 0.350% 0.350%
18 months 0.450% 0.450%
24 months 0.600% 0.600%
36 months 0.800% 0.800%

  • No setup charges or annual maintenance fees
  • Dividends compounded and credited quarterly
  • Additional deposits not permitted
  • Early withdrawal penalties apply
  • Please consult your tax advisor
* APY = Annual Percentage Yield

Personal Loans

Term APY*
12 to 60 Months As low as 2.990%

  • APR determined by applicant's score
  • No prepayment penalty


Auto Loans

Type APY*
New Auto As low as 1.490%
Used Auto As low as 1.990%

  • APR determined by applicant's score
  • No prepayment penalty


VISA Credit Cards / Line of Credit

Type APY*
Visa Classic 15.250%
Visa Gold 11.000%
Visa Platinum 9.000%
Visa Platinum + Travel 9.000%
Overdraft Protection 17.750%
Line of Credit As low as 10.000%

  • Rates are fixed
  • No Annual fees, except for Visa Platinum + Travel, which is $25


Residential Mortgage Loans

Type Interest rate Terms APR* Points LTV
1st Mortgage Click here for current Mortgage Rates
1st Mortgage - Primary Residence 4.625% 180 Months 4.640% 0.0 80%
1st Mortgage - Primary Residence 5.125% 360 Months 5.134% 0.0 80%
1st Mortgage - 2nd Home Residential 5.500% 180/360 Months 5.514% 0.0 75%
2nd Mortgage - Primary Residence 6.625% 180 Months 6.641% 0.0 80%

  • No prepayment penalty
  • Certain restrictions apply


HELOC

Type Index Rate Terms Point APR*
Introductory Rate 0.750% - 3.000% 12 Months - 60 Months 0.0 0.750% - 3.000%
Current Variable Rate 4.500% 12 Months 0.0 4.500%

  • The Introductory Rate is fixed for the specific term and adjusted annually thereafter
  • After the initial term, 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 (Combined 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
  • No prepayment penalty
  • Certain restrictions apply


Vacant Land Loans

Type Term Interest Rate APR*
Future Primary Residence 180 Months 7.250% 7.266%
Future Primary Residence (ARM**) 180 Months 3.750% 5.754%
Future Primary Residence (Balloon) 36 Months 4.500% 4.617%
Future Primary Residence (Balloon) 60 Months 4.750% 4.871%
Investor Residential 180 Months 7.750% 7.848%
Investor Residential (ARM**) 180 Months 4.250% 6.258%
Investor Residential (Balloon) 36 Months 5.000% 5.082%
Investor Residential (Balloon) 60 Months 5.250% 5.335%

  • Balloon: Interest Only Payments
  • Price floor is 4.50% APR, max rate not to exceed 18% APR
  • LTV for Future Primary Residence is 80%. LTV for Investor is 75%
  • No points for Future Primary Residence. 0.50 point for Investor
  • No prepayment penalty


Construction Loans

Type Term Interest Rate Points APR*
Construction - Contractor 372 Months 6.000% 1.0 6.100%
Construction - Contractor (Balloon) 12 Months 3.000% 1.0 4.941%
Construction - Owner Builder 372 Months 6.500% 1.5 6.650%
Construction - Owner Builder (Balloon) 12 Months 3.500% 1.5 5.468%
Construction - Investor - Contractor (Balloon) 192/372 Months 6.500% 1.5 6.685%
Construction - Investor - Contractor (Balloon) 12 Months 4.000% 1.5 5.995%

  • 1 year construction period
  • Construction Permanent Financing
  • Construction Loan converts to a 30 year term 1st Mortgage
  • LTV for Contractor and Owner Builder is 80%. LTV for Investor is 70%
  • * 12 month construction period followed by 180 month term with 360 month amortization. Balloon payment due at end of 180 months


Green Loans

Type Term APR*
Photovoltaic Call for current rates, terms and programs  
Solar (Up to $15,000) Up to 60 months As low as 4.500%


Savings / Certificate Secured

Type APR*
Savings Savings Rate plus 2.000%
Savings (Balloon: Interest Only Payments) Savings Rate plus 2.000%
Certificate Certificate Rate plus 2.000%

  • Savings Secured: Floating APR
  • Certificate Secured: Fixed APR
  • No prepayment penalty


Business Credit Card

Type APR*
Business Credit Card 11.000%

  • No Annual fees.
* APR = Annual Percentage Rate
** ARM = Adjustable Rate Mortgage, rates adjust annually