Effective Date: November 30, 2015

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 Max Term 120 Months   2% above current share rate
Max Term 120 Months   2.00% above CD rate
50% SHARE SECURED 12 Months 0.023287% 8.50%
36 Months 0.026027% 9.50%
60 Months 0.028767% 10.50%
LOAN REFI'S
SIGNATURE 12 Months 0.023287% 8.75% 9.75%
24 Months 0.026027% 9.50% 10.50%
36 Months 0.028767% 10.50% 11.5%
48 Months 0.030137% 11.25% 12.25%
60 Months 0.032876% 12.25% 13.25%
LINE OF CREDIT Revolving 0.035616% 13.00%
 
OVERDRAFT LOC Revolving 0.035616% 13.00%
MORTGAGE RATES PLEASE INQUIRE WITHIN CREDIT UNION FOR RATES

 

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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