Current RatesLOAN RATESEffective Date: July 30, 2010
|
Conventional Fixed Rate Mortgage |
Term |
Rate |
APR* |
|
Primary Residence |
30 Year
15 Year
|
4.000%
3.750%
|
4.220%
4.045%
|
| Adjustable Rate Mortgage |
Term |
Rate |
APR* |
Primary Residence
(fixed for 1 year, adjusts annually)
(fixed for 3 years, adjusts annually)
(fixed for 5 years, adjusts annually)
|
30 Year
30 Year
30 Year |
3.500%
3.750%
4.250% |
3.001%
3.165%
3.479% |
* APR is based on a sales price of 250,000 with a down payment of 50,000 and a loan amount of 200,000.
Subject to change without notice. Certain conditions and restrictions apply.
Effective Date: March 01, 2010
|
Home Equity Line of Credit |
Rate |
APR |
Owner-Occupant - Margin 2.00% (10-year term)
Adjustable - Rate Changes Quarterly
One-Year Fixed Rate
Two-Year Fixed Rate
Three-Year Fixed Rate |
3.500%
4.500%
5.000%
5.500% |
3.500%
4.500%
5.000%
5.500% |
Investor - Margin 2.50% (10-year term)
Adjustable - Rate Changes Quarterly
One-Year Fixed Rate
Two-Year Fixed Rate
Three-Year Fixed Rate
|
4.000%
5.000%
5.500%
6.000% |
4.000%
5.000%
5.500%
6.000% |
|
Consumer Loans |
Term |
Rate |
APR |
|
Installment |
1 Year
2 Year
3 Year
4 Year
5 Year |
7.750%
8.000%
8.250%
8.500%
9.000%
|
7.750%
8.000%
8.250%
8.500%
9.000% |
|
Overdraft Protection |
N/A |
18.000%
|
18.000% |
|
Personal Line of Credit |
N/A |
Variable*
|
Variable* |
*Wall Street Journal Prime Interest Rate plus 4.00% margin.
Subject to change without notice. Certain conditions and restrictions apply.
CHECKINGEffective Date: July 07, 2010
| Variable Interest Account Type |
Minimum Opening Balance |
Minimum balance required to earn APY |
Annual
Percentage
Yield |
|
Hawaii's Best Checking |
$100 |
None
|
.05% |
|
Money Market Checking |
$1000 |
$0 to $999.99
$1000 or more |
.10%
.20% |
|
Money Market Deposit Account |
$1000 |
$0 to $999.99
$1000 or more |
.20%
.40% |
Your interest rate and Annual Percentage Yield (APY) may change
after the account is opened. Fees could reduce earnings on the account.
SAVINGS Effective Date: July 07, 2010
| Variable Interest Account Type |
Minimum Opening Balance |
Minimum balance required to earn APY |
Annual Percentage Yield |
|
Passbook Savings |
$10 |
None
|
.90% |
|
Statement Savings |
$10 |
None
|
.90% |
Your interest rate and Annual Percentage Yield (APY) may change
after the account is opened. Fees could reduce earnings on the account.
| Certificate of Deposit Rates (Specials) |
Minimum Opening Balance |
Minimum balance required to earn APY | Annual
Percentage
Yield |
|
3-Month Certificate of Deposit |
$1000 |
$1000
|
0.50% |
|
6-Month Certificate of Deposit |
$1000 |
$1000
|
0.55% |
|
12-Month Certificate of Deposit |
$1000 |
$1000
|
0.70% |
|
24-Month Certificate of Deposit |
$1000 |
$1000
|
1.25% |
A penalty will be imposed for early withdrawal.
| Certificate of Deposit Rates (Standard) |
Minimum Opening Balance |
Minimum balance required to earn APY |
Annual
Percentage
Yield |
|
3-5 Month Certificate of Deposit |
$1000 |
$1000
|
0.25% |
|
6-8 Month Certificate of Deposit |
$1000 |
$1000
|
0.35% |
|
9-11 Month Certificate of Deposit |
$1000 |
$1000
|
0.45% |
|
12-Month Certificate of Deposit |
$1000 |
$1000
|
0.55% |
|
24-Month Certificate of Deposit |
$1000 |
$1000
|
1.05% |
|
36-Month Certificate of Deposit |
$1000 |
$1000
|
1.70% |
|
48-Month Certificate of Deposit |
$1000 |
$1000
|
1.95% |
|
60-Month Certificate of Deposit |
$1000 |
$1000
|
2.60% |
A penalty will be imposed for early withdrawal.
RATES ARE INTENDED FOR INFORMATION ONLY AND ARE
SUBJECT TO CHANGE WITHOUT PRIOR NOTICE. |
