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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.

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 0.00%
Plus Checking* 0.05%
  • 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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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 7.250% 7.453%
Future Primary Residence (ARM**) 180 Months 4.000% 5.297%
Future Primary Residence (Balloon) 36 Months 4.750% 4.790%
Future Primary Residence (Balloon) 60 Months 5.000% 5.028%
Investor Residential 180 Months 7.750% 8.047%
Investor Residential (ARM**) 180 Months 4.500% 5.872%
Investor Residential (Balloon) 36 Months 5.250% 5.472%
Investor Residential (Balloon) 60 Months 5.500% 5.644%
  • 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
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