Credit Lines | August 2012

*APR includes a 0.25% discount for automatic payment.  Without automatic payment, the APR will be 0.25 percentage points higher.  These are the lowest APRs available.  Your APR will be based on your creditworthiness.   Payment Example: A loan of $10,000 with a 6.00% APR will have the following payment and total interest paid at the following loan terms:

creditworthiness. Ask us about rate limitations. The Current Variable Index Rate shown is current as of 8/1/2012 and will not exceed 18% APR. The Current Variable Index Rate has a minimum 3.75% APR for the 80% LTV fee-simple, owner-occupied properties and the 60% LTV leasehold, owner-occupied, primary residence properties. The Current Variable Index Rate has a minimum 5.25% APR for the 95% LTV fee- simple, owner-occupied, primary residence properties and the 75% LTV fee-simple, investor properties. ***Minimum credit line is $10,000. Maximum credit lines are as follows: • Fee-simple, owner-occupied HELOC: The lesser of $250,000 or 80% LTV minus the balance of your existing mortgage. • Investor HELOC: The lesser of $200,000 or 75% LTV minus the balance of your existing mortgage. • Leasehold HELOC: The lesser of $200,000 or 60% LTV minus the balance of your existing mortgage. • 95% LTV fee-simple, owner-occupied HELOC: The lesser of $100,000 or 95% LTV minus the balance of your existing mortgage. Closing costs for certain third party fees (e.g. real estate evaluation, recordation, documentation, title search, escrow, flood determination), estimated at $900 to $2500, will be waived unless the line is terminated within three years. You will be required to pay other closing costs involving trust review, other legal documentation, or appraisal cost, estimated at $250 to $1950.   Only improved residential property in Hawaii is accepted as collateral. Property insurance is required. There is no transaction or other activity charges. Membership in the credit union is required. Rates, terms and conditions are subject to change without notice. Other terms and conditions apply. Speak to a credit union representative for more information. Visit www.hsfcu.com/rates or call the Rate Hotline at (808) 587-2734 for a complete list of HSFCU’s current rates.

Check Out Our Current Rates

Loan Accounts

Loan Product

terms

APR (As low as)*

Terms

Number of Payments

Monthly P&I

Total Interest Paid

Personal

4.50%

1-6 Years

1 Year 2 Years 3 Years 4 Years 5 Years 6 Years 7 Years

12 24 36 48 60 72 84

$861.00 $443.00 $304.00 $235.00 $193.00 $165.00 $146.00

$326.51 $622.60 $923.45

Auto/Truck – New Up to 100% Financing

2.40%

1-7 Years

$1,226.67 $1,539.79 $1,860.27 $2,169.69

Auto/Truck – Used Up to 100% Financing

2.90%

1-7 Years

3.90% 4.15% 4.40% 4.90% 4.40% 4.65% 4.90% 5.40%

1-3 Years 4 Years 5 Years 6 Years 1-3 Years 4 Years 5 Years 6 Years

No down payment required.  HSFCU also offers personal share-secured and personal bridge loans. Contact a HSFCU representative for more details. **APR includes a 0.25% discount for automatic payment. Without automatic payment, the APR will be 0.25 percentage points higher.  This is the lowest rate available.  Your APR will be based on your creditworthiness and may be higher. No down payment required.  HSFCU also offers personal share-secured and personal bridge loans. Contact a HSFCU representative for more details. 1 Your APR will be based on your creditworthiness and may be higher. 2 The 1-year and 2-year HELOC introductory rates are valid for applications received commencing 8/1/2012 and may change at any time without notice. An initial draw of at least $5,000 and automatic payments from a HSFCU share account are required. Otherwise the applicable Current Variable Index Rate will apply. After the introductory period expires, your rate will vary and the applicable Current Variable Index Rate will apply. This offer applies to new Home Equity Lines of Credit. Refinancing of existing HSFCU Home Equity Lines of Credit are not allowed. If you elect the 1-year or 2-year introductory rate, it will remain in effect until expiration of the introductory rate period. 3 The Current Variable Index Rate is based on the Prime Rate plus a margin. Your margin will depend on

Motorcycle – New Up to 100% Financing

Motorcycle – Used Up to 100% Financing

Loan Product

Revolving credit

APR (As low as)

Line of Credit Revolving

7.25%**

Visa Platinum Rewards Credit Card No annual fee. tt Earn rewards for travel awards and merchandise. Home Equity Lines of Credit*** Up to 80% loan to value, fee-simple, owner- occupied properties***

6.9%

6-Month Intro Rate

8.5% to 14.50%

After 6 months. 1

1-Year Intro Rate

0.99% 2

2-Year Intro Rate

1.99% 2

Current Variable Index Rate

3.75% 3

H O M E E Q U I T Y O P T I O N S T O M A K E Y O U R D R E A M S A R E A L I T Y V A L U E S T A R T S I N T H E H O M E H O M E O E U D R E A M I T

H O M E E Q U I T Y O P T I O N S T O M A K E Y O U R D R E A M S A R E A L I T Y V A L U E S T A R T S I N T H E H O M E T O M E M I R M S T Value starts in the home Home Equity options to make your dreams a reality

APR 0.99 % * One Year Introductory Rate

3.75 ** Current Variable Index Rate APR %

Visit us at any branch, go to www.hawaiistatefcu.com , call us at (808)587-2700 or toll free at (888)586-1056

$250,000 or 80% LTV minus the balance of your existing mortgage. Closing costs for certain third party fees (e.g. real estate evaluation, recordation, documentation, title search, escrow, flood determination), estimated at $900 to $2500, will be waived unless the line is terminated within three years. You will be required to pay other closing costs involving trust review, other legal documentation, or appraisal cost, estimated at $250 to $1950. Only improved residential property in Hawaii is accepted as collateral. Property insurance is required. There is no transaction or other activity charges. Membership in the credit union is required. Rates, terms and conditions are subject to change without notice. Other terms and conditions apply. Speak to a credit union representative for more information.

*1-year HELOC introductory rates are valid for applications received commencing 8/1/2012 and may change at any time without notice. An initial draw of at least $5,000 and automatic payments from a HSFCU share account are required. Otherwise the applicable Current Variable Index Rate will apply. After the introductory period expires, your rate will vary and the applicable Current Variable Index Rate will apply. This offer applies to new Home Equity Lines of Credit. Refinancing of existing HSFCU Home Equity Lines of Credit are not allowed. If you elect the 1-year introductory rate, it will remain in effect until expiration of the introductory rate period. **The Current Variable Index Rate is based on the Prime Rate plus a margin. Your margin will depend on creditworthiness. Ask us about rate limitations. The Current Variable Index Rate shown is current as of 8/1/12 will not exceed 18% APR. The Current Variable Index Rate has a minimum 3.75% APR for the 80% LTV fee simple, owner-occupied properties. The minimum credit line is $10,000 and the maximum credit line is the lesser of