Rates

Rates effective as of January 1, 2019.

APY = Annual Percentage Yield.
APR = Annual Percentage Rate.
ARM = Adjustable Rate Mortgage, rates adjust annually.

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Savings

Account APY
Membership Savings 0.15%
Special Savings 0.15%
  • No early withdrawal penalty
  • Dividends compounded and credited quarterly
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Checking

Account APY
Regular Checking 0.00%
Plus Checking 0.05%
  • No monthly fee
  • Unlimited check writing
  • No fees for Debit Card usage
  • Dividends compounded and credited quarterly

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 0.15%
  • 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 0.35% 0.35%
12 Months 0.45% 0.45%
18 Months 0.55% 0.55%
24 Months 0.70% 0.70%
36 Months 0.90% 0.90%
  • 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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Personal Loans

Term APR
12 - 60 Months As low as 2.99%
  • APR determined by applicant's score
  • No prepayment penalty
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Auto Loans

Type APR
New Auto As low as 1.49%
Used Auto As low as 1.99%
  • 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 4.375% 180 Months 4.526% 0.0 80%
1st Mortgage - Primary Residence 5.125% 360 Months 5.220% 0.0 80%
1st Mortgage - 2nd Home Residential 5.500% 180/360 Months 5.678% 0.0 75%
2nd Mortgage - Primary Residence 6.375% 180 Months 6.561% 0.0 80%
Learn More

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 7.250% 7.453%
Future Primary Residence (ARM**) 180 Months 3.750% 4.535%
Future Primary Residence (Balloon) 36 Months 4.500% 4.728%
Future Primary Residence (Balloon) 60 Months 4.750% 4.894%
Investor Residential 180 Months  7.750% 8.047%
Investor Residential (ARM**) 180 Months 4.250% 4.690%
Investor Residential (Balloon) 36 Months 5.000% 5.412% 
Investor Residential (Balloon) 60 Months 5.250% 5.511%
  • 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%
  • No annual fees
Learn More

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