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2145 Wells Street
Suite 101
Wailuku, HI 96793

808.242.2997 phone
808.242.4024 fax
NMLS #807213


New Special Loan Rates Share Rates

Effective as of: January 1, 2017
Share Secured***2.00%
Share/Signature***4.50% - 6.50%
Signature Loans***6.00% - 8.00%
New Auto 100% Financing***2.75% - 5.25%
New Auto 90% Financing***2.50% - 4.75%
Used Auto 90% Financing***5.00% - 6.50%
***Rates are determined by the repayment terms
Education Loan4.00%
Must provide proof of classes
Solar Heater Loan4.50%
Photovoltaic Loans***3.50% - 4.50%
***Rates are determined by the repayment terms
Loan proceeds to be paid directly to contractor.
Vacation Loans5.00%
Must provide travel itinerary
HELOCIntroductory Rate for 1st Year1.00%
Discounted Rate for years 2 and 34.50%
Variable Rate HELOC: The Annual Percentage Rate (APR) for new and existing balances will be
the 5 Year Treasury (Index), rounded to the next higher 0.125%, plus a Margin of 2.50%. We
will use the most recent Index value available to us as of 30 days prior to any annual
percentage rate adjustment. The APR will change annually on the first day of the month
following your anniversary date to reflect any change in the Index. The APR will never be less
than 4.50%. The APR will never be greater than 18.00% or the maximum rate allowed by law,
whichever is less. Any increase in the APR will result in a higher payment.
You will be charged interest from the transaction date.
Late Charge: 5.00% of Payment Amount
**You must carry insurance on the property that secures this plan. If the property is located
in a Special Flood Hazard Area we will require you to obtain flood insurance if it available.

NMLS #807213

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