Rates

• 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

• 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

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

• 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

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

• No setup charges or annual maintenance fees
• Dividends credited monthly
• Additional deposits not permitted
• Early withdrawal penalties apply
• Please consult your tax advisor

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

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

• Rates are fixed
• No Annual fees. For additional details on credit card fees, please CLICK HERE.

• Click here for current Mortgage Rates
• No prepayment penalty
• Certain restrictions apply

*Annual Percentage Rate (APR) and monthly principal and interest payments are based on a borrowed amount of $100.000. Payments do not include the required down payment, applicable maintenance fees, real estate taxes, insurance premiums, if appicable, and your actual payment obligation may be greater. Rates and Terms may change at any time without prior notice and are provided for informational purposes. Subject to credit approval. Certain restrictions apply.

**Adjustable Rate Mortgage (ARM) is a thirty year term with an intial fixed rate for the first five years, then adjusts annually thereafter. Your interest rate can increase or decrease every 12 months according to the current index. Monthly payments may change when the rate is adjusted. Adjustments are based on the Secured Overnight Financing Rate (SOFR) 30 day average plus 2.750% rounded up to the nearest 0.125%. Interest rate adjustments are subject to a floor rate of 3.875% and a maximum rate of 8.875%. Maximum annual adjustment is 2%. 

• 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

• 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

• 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

• Call for current rates, terms and programs

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

• No annual fees