Effective Date: October 1, 2004
| LOANS |
| SUB ACCOUNT DESCRIPTION |
APPROXIMATE TERM |
DAILY PERIODIC RATE |
ANNUAL PERCENTAGE RATE |
| NEW AUTO |
60 Months |
0.019041% |
6.95% |
| 72 Months |
0.021780% |
7.95% |
| |
| USED AUTO |
60 Months |
0.021780% |
7.95% |
| |
| SHARE SECURED |
36 Months |
0.013699% |
5.00% |
| 120 Months |
0.016438% |
6.00% |
| |
| 50% SHARE SECURED |
12 Months |
0.023287% |
8.50% |
| 36 Months |
0.026027% |
9.50% |
| 60 Months |
0.028767% |
10.50% |
| |
| SIGNATURE |
12 Months |
0.023973% |
8.75% |
| 24 Months |
0.026027% |
9.50% |
| 36 Months |
0.028767% |
10.50% |
| 48 Months |
0.030822% |
11.25% |
| 60 Months |
0.033562% |
12.25% |
| |
| LINE OF CREDIT |
Revolving |
0.035616% |
13.00% |
| |
| OVERDRAFT LINE OF CREDIT |
Revolving |
0.035616% |
13.00% |
| |
| MORTGAGE RATES |
PLEASE INQUIRE WITHIN CREDIT UNION FOR RATES |
Line of Credit advances will be given in $100.00 and greater.
Your Line of Credit monthly payment is $80.00, or the understanding balance, which is less.
FOR ALL LOANS
LATE CHARGES: You agree to $15.00 if any advance is past 15 days.
COLLECTION COST: You promise to pay all costs of collecting the amount you owe under this Agreement including court costs and resonable attorney fees.
REMOVAL OF COLLATERAL: You must notify the credit union prior to removal of any collateral from the island of Oahu.
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