All Rates

Savings

Regular/IRA/Escrow/Christmas**

Dividend Paid Quarterly

Deposit	Dividend Rate	APY*
$100 – $499.99 OR $500 & Above	0.10%	0.10%

HIGH YIELD CHECKING***

Dividend Paid Monthly

Deposit	Dividend Rate	APY*
$1000 & Above	0.10%	0.10%

PMA Money Market****

Dividend Paid Monthly

Deposit	Dividend Rate	APY*
$500 – $9,999.99	0.15%	0.15%
$10,000 – $24,999.99	0.15%	0.15%
$25,000 – $49,999.99	0.15%	0.15%
$50,000 – $74,999.99	0.20%	0.20%
$75,000 & Over	0.20%	0.20%
APY = Annual Percentage Yield. Rates are subject to change without notice. Share rates are effective 10/01/2022 (unless otherwise noted) and subject to change without notice. Fees could reduce the earnings on the account. Minimum balance requirement to open and earn advertised APY is $100. Minimum balance requirement to open and earn advertised APY is $1000. **Minimum balance requirement to open and earn advertised APY is $500.

Certificates

Certificates - Minimum $1000

Dividend Paid Quarterly

Term	Dividend Rate	APY*
90 Days	0.25%	0.25%
6 Months	0.25%	0.25%
12 Months	3.00%	3.03%
18 Months	2.50%	2.52%
24 Months	2.50%	2.52%
For jumbo rates (investments of $100,000 and over), please call us at (808) 847-1371 or Toll-free 1 (800) 433-8698, option 3. *APY=Annual Percentage Yield. Certificate rates are effective 03/03/2025 (unless otherwise noted) and subject to change without notice. Early withdrawal penalties apply. Fees could reduce earnings on the account. Please contact the credit union for current rates and fees.

IRA Certificates - Minimum $500

Dividend Paid Quarterly

Term	Dividend Rate	APY
9 Months	1.00%	1.00%
12 Months	2.25%	2.27%
18 Months	2.00%	2.02%
30 Months	2.00%	2.02%
APY=Annual Percentage Yield. Certificate rates are effective 12/05/2022 (unless otherwise noted) and subject to change without notice. Early withdrawal penalties apply. Fees could reduce earnings on the account. You may be subject to an IRS tax penalty under certain conditions. Please contact the credit union for current rates and fees.

Loan Rates

Auto

Loan Program	Rate
New Auto Loans (terms up to 72 mos.)	As low as 5.99% APR*
New Auto Loans (terms up to 84 mos.)	As low as 6.49% APR*
Used Auto Loans (six months old and older)	As low as 6.24% APR*

Personal

Shared Secured Loans

Loan Program	Rate
Share Secured Loans	2.50% APR*

HELOC

Loan Program	Rate
Home Equity Line of Credit	Call our Loan Dept. for our current rate.

Credit Cards

Loan Program	Rate
Visa Platinum	9.00% APR (non-variable). No Annual Fee.
Visa Gold	10.50% APR (non-variable). No Annual Fee.
Visa Classic	14.88% APR (non-variable). $15.00 Annual Fee
Visa First	18.00% APR (non-variable). $25.00 Annual Fee.
Apply Now * Annual Percentage Rate (APR). Final rate based on credit score. Rates subject to change without notice. Personal Loan payment sample: 36 months fixed-rate loan for $15,000 at 7.99% and an Annual Percentage Rate (APR) of 7.99% would have a monthly principal plus interest payment of $470. Other rates and terms available. Membership eligibility requirements apply. Auto Loans: Rates are based on your credit score and are subject to change. Payment example: A 72-month vehicle loan of $35,000 with an Annual Percentage Rate (APR) of 5.99% would have monthly principal plus interest payments of $580. Other rates and terms available. Membership eligibility requirements apply. Home Equity Line of Credit: Approval subject to application, eligibility, credit, and acceptable property, acceptable appraisal and title required. Property insurance is required and, if applicable, flood insurance may be required. Loan amounts are offered from $25,000 to $250,000. The variable Annual Percentage Rate may be from 5.00% to 18.00%. The variable rate is based on the 6-month Treasury Bill (5.00% as of 4/21/2023) plus a margin and is subject to change semiannual. Other terms and conditions apply. See your Hawaii FCU Loan Officer for details.