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Loan Product
terms
APR (As low as)*
Personal
1-6 Years
4.50%
Auto/Truck – New
Up to 100% Financing
1-7 Years
2.40%
Auto/Truck – Used
Up to 100% Financing
1-7 Years
2.90%
Motorcycle – New
Up to 100% Financing
1-3 Years
4 Years
5 Years
6 Years
3.90%
4.15%
4.40%
4.90%
Motorcycle – Used
Up to 100% Financing
1-3 Years
4 Years
5 Years
6 Years
4.40%
4.65%
4.90%
5.40%
Loan Product
Revolving credit
APR (As low as)
Line of Credit Revolving
7.25%**
Visa Platinum Rewards
Credit Card
No annual fee.
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Earn
rewards for travel awards
and merchandise.
6-Month Intro Rate
After 6 months.
1
6.9%
8.5% to 14.50%
Home Equity Lines
of Credit***
Up to 80% loan to value,
fee-simple, owner-
occupied properties***
1-Year Intro Rate
2-Year Intro Rate
Current Variable Index
Rate
0.99%
2
1.99%
2
3.75%
3
Loan Accounts
Check Out Our
Current Rates
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Value starts in the home
Home Equity options to make your dreams a reality
Visit us at any branch, go to
www.hawaiistatefcu.com
,
call us at
(808)587-2700
or toll free at
(888)586-1056
APR
0.99
%
*
One Year
Introductory
Rate
3.75
APR
%
**
Current
Variable
Index Rate
*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:
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
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.
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
$1,226.67
$1,539.79
$1,860.27
$2,169.69
Number of
Payments
Terms
Monthly P&I
Total Interest
Paid
*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
$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.