Rates effective as of March 1, 2021.
APY = Annual Percentage Yield.
APR = Annual Percentage Rate.
ARM = Adjustable Rate Mortgage, rates adjust annually.
Fees may reduce earnings.
Accounts
Savings
Account |
APY |
Membership Savings |
0.050% |
Special Savings |
0.050% |
- No early withdrawal penalty
- Earn dividends by maintaining an average daily balance of $100 or more
- Dividends compounded and credited quarterly
- $50.00 to open
- $100.00 to earn dividends
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Checking
Account |
APY |
Regular Checking |
0.000% |
Plus Checking* |
0.050% |
- No monthly fee
- Unlimited check writing
- Regular Checking - no minimum to open
- No fees for Debit Card usage
- *Earns dividends by maintaining an average daily balance of $2500.00 or more
- *Dividends compounded and credited monthly
- *Minimum to open Plus Checking is $2500.00
- *Minimum to earn dividends is $2500.00
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Kasasa Checking
Account |
|
Kasasa Cash |
click on Learn More button for APY rate and disclosures |
Kasasa accounts must meet the following account qualifications to earn the qualifying dividend rate and APY:
- A minimum of 10 debit card purchases post to your Kasasa Cash or Kasasa Cash Back account;
- You receive monthly e-Statements for the account; and
- You have a direct deposit, ACH credit or ACH payment on your account at least once during the cycle.
- If quaifications are not met the account will earn 0.010% APY
- Dividends compounded and credited monthly
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Money Market
Account Balance |
APY |
$0 - $24,999.99 |
0.100% |
$25,000 - $49,999.99 |
0.100% - 0.150% |
$50,000 - $99,999.99 |
0.150% - 0.250% |
$100,000 - $499,999.99 |
0.250% - 0.350% |
$500,000 - $999,999.99 |
0.350% - 0.450% |
$1,000,000+ |
0.450% - 0.00% |
- Money Market is a tiered rate account
- $2,500.00 minimum opening balance
- $2,500.00 minimum balance to earn interest
- Excess withdrawal/transfer fees apply
- Dividends compounded and credited quarterly
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IRA Savings
Type |
APY |
Traditional & Roth |
0.100% |
- No setup charges or annual maintenance fees
- Dividends compounded and credited quarterly
- Please consult your tax advisor
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Certificates & IRA Certificates
Term |
Dividend Rate |
APY |
6 Months |
0.200% |
0.200% |
12 Months |
0.300% |
0.300% |
18 Months |
0.400% |
0.400% |
24 Months |
0.500% |
0.500% |
36 Months |
0.700% |
0.700% |
- No setup charges or annual maintenance fees
- Dividends credited monthly
- Additional deposits not permitted
- Early withdrawal penalties apply
- Please consult your tax advisor
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Loans
Personal Loans
Term |
APR |
12 - 60 Months |
As low as 3.99% |
- APR determined by applicant's score
- No prepayment penalty
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Auto Loans
Type |
APR |
New Auto |
As low as 2.49% |
Used Auto |
As low as 2.99% |
- APR determined by applicant's score
- No prepayment penalty
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MasterCard® Credit Cards / Line of Credit
Type |
APR |
MasterCard® Classic |
15.25% |
MasterCard® Gold |
11.00% |
MasterCard® Platinum (Rewards Card) |
9.00% |
Overdraft Protection |
17.75% |
Line of Credit |
As low as 10.00% |
- Rates are fixed
- No Annual fees. For additional details on credit card fees, please CLICK HERE.
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Residential Mortgage Loans
Type |
Interest Rate |
Terms |
APR |
Points |
LTV |
1st Mortgage - Primary Residence |
3.650% |
180 Months |
3.802% |
0.0 |
80% |
1st Mortgage - Primary Residence |
4.150% |
360 Months |
4.241% |
0.0 |
80% |
1st Mortgage - 2nd Home Residential |
5.500% |
180/360 Months |
5.678% |
0.0 |
75% |
2nd Mortgage - Primary Residence |
5.650% |
180 Months |
5.837% |
0.0 |
80% |
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HELOC
Type |
Index Rate |
Terms |
Points |
APR |
Introductory Rate |
0.75% - 3.00% |
12 - 60 Months |
0.0 |
0.75% - 3.00% |
Current Variable Rate |
4.50% |
12 Months |
0.0 |
4.50% |
- 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 3 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
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Vacant Land Loans
Type |
Term |
Interest Rates |
APR |
Future Primary Residence |
180 Months |
5.500% |
5.597% |
Future Primary Residence (ARM**) |
180 Months |
3.500% |
4.004% |
Future Primary Residence (Balloon) |
36 Months |
3.750% |
3.813% |
Future Primary Residence (Balloon) |
60 Months |
4.000% |
4.040% |
Investor Residential |
180 Months |
6.000% |
6.184% |
Investor Residential (ARM**) |
180 Months |
4.000% |
4.579% |
Investor Residential (Balloon) |
36 Months |
4.250% |
4.493% |
Investor Residential (Balloon) |
60 Months |
4.500% |
4.653% |
- 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
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Construction Loans
Type |
Term |
Interest Rate |
Points |
APR |
Construction - Contractor (Balloon) |
12 Months |
3.000% |
1.0 |
5.492% |
Construction - Contractor |
372 Months |
6.000% |
1.0 |
6.225% |
Construction - Owner Builder (Balloon) |
12 Months |
3.500% |
1.5 |
6.523% |
Construction - Owner Builder |
372 Months |
6.500% |
1.5 |
6.782% |
Construction - Investor - Contractor (Balloon) |
12 Months |
4.000% |
1.5 |
7.031% |
Construction - Investor - Contractor (Balloon) |
192 / 372 Months |
6.500% |
1.5 |
6.782% |
- 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 |
Solar (Up to $15,000) |
Up to 60 Months |
As low as 4.50% |
- Call for current rates, terms and programs
Savings / Certificate Secured
Type |
APR |
Savings |
Savings Rate plus 2.00% |
Savings (Balloon: Interest Only Payments) |
Savings Rate plus 2.00% |
Certificate |
Certificate Rate plus 2.00% |
- Savings Secured: Floating APR
- Certificate Secured: Fixed APR
- No prepayment penalty
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Business Credit Card
Type |
APR |
Business Credit Card |
11.00% |
Learn More