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Current Rates & Fees
EFFECTIVE February 1, 2014

 

Savings and Investments Loans
Checking Auto Loans
Savings Business Credit Card
Money Market Construction Loans
IRA Green Loans (Photovoltaic/Solar)
Certificates HELOC
  Personal Loans
  Residential Mortgage Loans
  Savings / Certificate Secured
  Vacant Land Loans
  VISA / Line of Credit





     Equal Housing Lender      NCUA

 

 Checking
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Type Minimum Deposit Minimum Balance to Earn APY Dividend Rate APY
Regular Checking $0.00 $0.00 0.000% 0.000%
Plus Checking $2,500.00 $2,500.00 0.050% 0.050%
  • APY: Annual Percentage Yield
  • No monthly fee
  • Unlimited check writing
  • No fees for Debit Card usage




 Savings
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Type Minimum Deposit Minimum Balance to Earn APY Dividend Rate APY
Membership Savings $50.00 $100.00 0.150% 0.150%
Special Savings $0.00 $100.00 0.150% 0.150%
  • APY: Annual Percentage Yield
  • No early withdrawal penalty
  • Dividends compounded and credited monthly
  • For Youth Accounts (Moola Moola and Kid's Club) the minimum opening and required balance is $5.00




 Money Market
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Account Balance Dividend Rate APY
$0.00 to $49,999.99 0.100% 0.100%
$50,000.00 to $99,999.99 0.200% 0.100% - 0.200%
$100,000.00 to $499,999.99 0.300% 0.200% - 0.300%
$500,000.00 or more 0.000% 0.300% - 0.000%
  • APY: Annual Percentage Yield
  • Money Market is a tiered rate account
  • Minimum $2,500.00
  • $25,000.00 minimum balance to earn dividends
  • Excess withdrawal/transfer fees apply
  • Dividends compounded and credited monthly




 IRA Savings
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Type Minimum Deposit Minimum Balance to Earn APY Dividend Rate APY
Traditional & Roth $0.00 $100.00 0.150% 0.150%
  • APY: Annual Percentage Yield
  • No setup charges or annual maintenance fees
  • Dividends compounded and credited monthly
  • No withdrawals before age 59 and a half without penalty
  • Maximum annual contribution applies, please consult your tax advisor




 Certificates & IRA Certificates
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Type Minimum Deposit Dividend Rate APY
6 months $2,500.00 0.250% 0.250%
12 months $2,500.00 0.350% 0.350%
18 months $2,500.00 0.450% 0.450%
24 months $2,500.00 0.600% 0.600%
36 months $2,500.00 0.800% 0.800%
  • APY: Annual Percentage Yield
  • No setup charges or annual maintenance fees
  • Dividends credited monthly
  • Early withdrawal penalty applies
  • Additional deposits not permitted
  • Additional IRA specific features:
    • No withdrawals before age 59 and a half without penalty
    • Maximum annual contribution applies, please consult your tax advisor
    • Dividends paid to either savings or checking account monthly




 Auto Loans
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Type Maximum Term APR
New Auto Up to 36 Months As low as 1.490%
New Auto Up to 48 Months As low as 1.990%
New Auto Up to 60 Months As low as 2.490%
New Auto Up to 72 Months As low as 2.990%
New Auto Up to 84 Months As low as 3.490%
Used Auto Up to 36 Months As low as 1.990%
Used Auto Up to 48 Months As low as 2.490%
Used Auto Up to 60 Months As low as 2.990%
Used Auto Up to 72 Months As low as 3.490%
  • APR: Annual Percentage Rate
  • APR determined by applicant's score
  • Interest Rate discount may apply for an LTV of 80% or less, automatic payment and online applications
  • No prepayment penalty




 Residential Mortgage Loans
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Type Occupancy Term Interest rate Points APR LTV
First Mortgage
Primary Residence
180 Months 4.625% 0.0 4.640% 80%
First Mortgage
Primary Residence
360 Months 5.125% 0.0 5.134% 80%
Second Mortgage
Primary Residence
180 Months 6.625% 0.0 6.641% *
First Mortgage Second Home Residential 180/360 Months ** 5.500% 0.5 5.514% 75%
First Mortgage
Investor Residential 180/360 Months ** 6.000% 1.0 6.158% 75%
  • APR: Annual Percentage Rate
  • Rates are fixed
  • No prepayment penalty
  • * Second Mortgage - CLTV of 80%
  • ** 180 month term with 360 month amortization. Balloon payment due at end of 180 months.




 Vacant Land Loans
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Type Occupancy Term Interest rate Points APR LTV
Vacant Land Future Primary Residence 180 Months 7.250% 0.0 7.266% 80%
Vacant Land Future Primary Residence (ARM) 12 Months 3.750% 0.00 5.754% 80%
Vacant Land Investor Residential 180 Months 7.750% 0.5 7.848% 75%
Vacant Land Investor Residential (ARM) 12 Months 4.250% 0.5 6.258% 75%
  • APR: Annual Percentage Rate
  • ARM: Adjustable Rate Mortgage, rates adjust annually
  • Price floor is 4.50% APR, max rate not to exceed 18% APR
  • No prepayment penalty




 HELOC
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Type Index Rate Terms CLTV Points APR
Introductory Rate
0.750%
12 Months 80% 0.0 0.750%
Introductory Rate 1.375% 24 Months 80% 0.0 1.375%
Introductory Rate 2.000% 36 Months 80% 0.0 2.000%
Introductory Rate 2.500% 48 Months 80% 0.0 2.500%
Introductory Rate 3.000% 60 Months 80% 0.0 3.000%
Current Variable Rate
4.500%
12 Months 80% 0.0 4.500%
  • APR: Annual Percentage Rate
  • The Introductory Rate is fixed for the specific term and adjusted annually thereafter
  • After the inital 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 5 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




 Construction Loans
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Type Term Interest Rate Points APR LTV
Construction - Contractor
372 Months
6.000% 1.0 6.100% 80%
Construction - Contractor (Balloon) 12 Months 3.000% 1.0 4.941% 80%
Construction - Owner Builder
372 Months
6.500% 1.5 6.650% 80%
Construction - Owner Builder (Balloon) 12 Months 3.500% 1.5 5.468% 80%
Construction - Investor - Contractor (Balloon) 180/360 Months * 6.500% 1.5 6.685% 70%
Construction - Investor - Contractor (Balloon)
12 Months
4.000% 1.5 5.995% 70%
  • APR: Annual Percentage Rate
  • 1 year construction period
  • Construction Permanent Financing
    • Construction Loan converts to a 30 year term 1st Mortgage
  • * 180 month term with 360 month amortization. Balloon payment due at end of 180 months.




 
 Green Loans
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Type Term APR
Photovoltaic Call for current rates, terms and programs  
Solar (Up to $15,000) Up to 60 months As low as 4.500%
  • APR: Annual Percentage Rate




 Business Credit Card
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Type Annual Fee APR Credit Limit
Business Credit Card None 11.000% Up to $50,000.00
  • APR: Annual Percentage Rate




 VISA / Line of Credit
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Type Annual Fee APR Credit Limit
Visa Classic None 15.250% $500.00 to $5,000.00
Visa Gold None 11.000% Starting from $5,000.00
Visa Platinum None 9.000% Up to $25,000.00
Visa Platinum + Travel $25 9.000% Up to $25,000.00
Overdraft Protection None 17.750% $500 to $10,000.00
Line of Credit None As low as 10.000% $500 to $10,000.00
  • APR: Annual Percentage Rate
  • Rates are fixed
  • Earn one (1) point for every dollar spent with Visa Platinum + Travel credit card




 Personal Loans
 
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Maximum Term Minimum Loan APR
Up to 12 Months $500.00 As low as 2.990%
Up to 36 Months $1,000.00 As low as 3.990%
Up to 60 Months $1,500.00 As low as 4.990%
  • APR: Annual Percentage Rate
  • APR determined by applicant's score
  • Interest Rate discount may apply for automatic payment and online applications
  • No prepayment penalty




 Savings / Certificate Secured
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Type Term APR
Savings Up to 10 Years Savings Rate plus 2.000%
Certificate Up to Certificate Maturity Date Certificate Rate plus 2.000%
  • APR: Annual Percentage Rate
  • Savings Secured: Floating APR
  • Certificate Secured: Fixed APR
  • No prepayment penalty

Rates subject to change without notice. All loans subject to credit approval. Other terms and conditions may apply.

CU Hawaii Federal Credit Union Leading the Way