Up to 10 Years* 

Auto/Truck - New

1 to 3 years*

4 years*

5 years*

6 years*

7 years*

As low as **

As low as **

As low as **

As low as **

As low as **

Auto/Truck - Used

1 to 3 years*

4 years*

5 years*

6 years*

7 years*

As low as **

As low as **

As low as **

As low as **

As low as **

Motorcycle - New

1 to 3 years*

4 years*
5 years*

6 years*
 

As low as **

As low as **

As low as **
As low as **
 

Motorcycle - Used

1 to 3 years*

4 years*
5 years*

6 years*
 

As low as **

As low as **

As low as **
As low as **
 

1 year*

As low as **

1 year*

2 years*

3 years*

4 years*

5 years*

6 years*

As low as **

As low as **

As low as **

As low as **

As low as **

As low as **

1 year*

As low as **

No annual fee.  Earn rewards for travel awards and merchandise.

for first 6 months on purchases, cash advances, balance transfers and convenience checks.

As low as **** after 6 months. 

APR†

6-Month Introductory Rate.

Offer ends .

15 year^t

30 year^t

1-3 year^t

ARMs^t

^*This is an open-end loan product.  The term is used only to calculate payment under the open-end subaccount.

^**APR with automatic payment.  Rate will be 0.25% APR higher without automatic payment.  These rates are the lowest available.  Your rate may be higher based on your credit history.  Certain terms and conditions apply.

***The Current Monthly Variable Indexed Rate is based on the Prime Rate as published in the Wall Street Journal plus a margin. Your margin will depend on credit history, loan-to-value (LTV) of the loan, and whether or not the property is owner-occupied. The Currently Monthly Variable Indexed Rate shown is current as of and will not exceed 18% APR. The Current Monthly Variable Index Rate has a minimum APR of 3.75% for 80% LTV properties that are owner-occupied and 5.25% for 95% LTV properties that are owner-occupied. The monthly variable index rate has a minimum APR of 5.25% for investment properties (75% maximum LTV). The maximum LTV for leasehold properties (owner-occupied or investment) is 60%.

Your most current real property tax assessment may be accepted in lieu of an appraisal, depending on the size of your line of credit.

If an appraisal or trust review is required, you will be required to pay those costs at closing. Other closing costs for third party fees, estimated at $650 to $1950, will be waived unless the line is terminated within three years. This offer applies to new home equity lines of credit. Refinancing existing HSFCU lines of credit is not allowed. Only improved residential property in Hawaii is accepted as collateral. Rates, terms and conditions are subject to change without notice. Property insurance is required.
**** to  APR, and will be based on your credit history.

†The six-month and one-year introductory fixed rates are valid for applications received to . An initial draw of $5,000+ and automatic payments from a HSFCU share account are required. Otherwise, the Current Monthly Variable Indexed Rate will apply. After the fixed rate expires, the Current Monthly Variable Indexed Rate will apply.

^tPayment Example.  A loan of $100,000 with a 6.00% APR and no points would have the following payment and total interest paid at the following loan terms:

Investment Share Account 

$0 - $2,499.99

$2,500 - $24,999.99

$25,000 - $49,999.99

$50,000 - $99,999.99

$100,000 and above

$2,500.00

None

$50.00 

$5 with Direct Deposit

Platinum Checking Account 

$0 - $2,499.99

$2,500 - $24,999.99

$25,000 - $49,999.99

$50,000 - $99,999.99

$100,000 and above

$2,500.00

$20,000.00