Hawaii County Employee Federal Credit Union - Loan Rates

Loan Rates

OPEN END FIXED RATE:

Line of Credit: (Including Debit Card) Incl: Open-end, Share Draft / Overdraft Protection. Minimum pmt-Greater of 5% of balance or $25.

RATE.........................................11.90% APR

PAY

PAYDAY LOANS

Minimum $200.00

Maximum $500.00

1 to 6 month term 18.00% APR

Restrictions Apply


PHOTOVOLTAIC LOANS

Up to 84 months. (7 years) 3.80% APR

$30,000 maximum
No payments due for first six months.


NEW AUTO LOAN SPECIAL!

100% Financing

Up to 5 years. (60 mos) 2.75% APR

Up to 6 years. (72 mos) 3.75% APR

Up to 7 years. (84 mos) 4.25% APR


USED AUTO LOAN SPECIAL!

( Up to 6 Model Years )

Up to 4 yr term, Low Blue Book Fin........3.50% APR

Up to 5 yr term, Low Blue Book Fin........3.65% APR

Up to 4 yr term, High Blue Book Fin........3.75% APR

Up to 5 yr term, High Blue Book Fin........4.00% APR

( Up to 5 Model Years )

Up to 6 yr term, Low Blue Book Fin........4.25% APR

Up to 6 yr term, High Blue Book Fin........4.50% APR

- New auto loan rate if it is a current year model and has less than 5,000 miles.

- Loans must be disbursed not later than 1 month from date of approval.


LOAN SPECIAL:

Up to 5 years, maximum $5,000........5.00%


SIGNATURE LOAN SPECALS!

Up to $15,000 Maximum Financing

1 yr term........................................3.00% APR

2 yr term........................................4.00% APR

3 yr term........................................5.00% APR

4 yr term........................................6.00% APR

5 yr term........................................7.00% APR

6 yr term........................................8.00% APR


VISA

VISA Platinum Card

Share Secured...............................9.00% APR

Unsecured....................................11.90% APR

VARIABLE RATE:

SHARE SECURED:

90% Financing - Maximum term: 120 months (10 years)

Rate: 2.0% APR over Regular Share Dividend rate.

SHARE CERTIFICATE:

Variable rate - Maximum of 5 years

Rate 2.0% APR over CD Rate

EDUCATIONAL LOANS:

U.S.A Group - College Access Plan referral.

Variable Rate FFELP Rate

MORTGAGES/HOME EQUITY:

1ST MORTGAGE (In-House)

Up to 15 & 20 year terms, a fee of 1.5% will be assessed for refinances with no additional advances, and .75% for those with $10,000 + advances.

15 Year Term:

CALL FOR RATES

20 Year Term:

CALL FOR RATES

12 year term for loans classified as "Business Mortgage"

2ND MORTGAGE

80% of value minus 1st Mortgage
10 year financing 9.25% APR
12 year financing 9.50% APR

VACANT LAND

12 year term, 70% financing lesser of appraised value or seller's price.

County dedicated/improved residential area: 7.75% APR

HOME EQUITY

No *Fees/Closing Costs for loans up to $200,000.

Rate adjusts semi-annually on the 1st of April and October of each year.

Appraisals are required for loans $200,000 and over. (*Appraisal and Flood Certification Fees are paid by the borrower)

The payoff period is 144 monthly payments.

HOME EQUITY 1ST MORTGAGE

Maximum amount loaned: $200,000 (up to 80% of appraised value)

Rate effective: 
4/01/14 - 9/30/14
4.25% APR

HOME EQUITY 2ND MORTGAGE

Maximum amount loaned: $200,000 (up to 80% of value minus 1st Mortgage)

Rate effective: 
4/01/14 - 9/30/14
4.25% APR

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  • *Loan calculators do not guarantee extensions of credit and are available to you for your independent use and are not intended to provide investment advice. We do not guarantee their accuracy or applicability in regards to your individual circumstances. We recommend that you seek professional advice for all of your financial concerns.