Current RatesLOAN RATESEffective Date: March 09, 2010
|
Fixed Rate Mortgage |
Term |
Rate |
APR* |
|
Primary Residence |
30 Year
15 Year
|
4.750%
4.250%
|
4.920%
4.541%
|
| 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 |
4.500%
4.750%
5.000% |
3.184%
3.482%
3.829% |
* A.P.R. 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.
SAVINGS RATESEffective Date: February 20, 2010
| Variable Interest Account Type |
Minimum Balance |
Interest Rate |
Annual Percentage Yield |
|
Passbook Savings |
$100 |
1.00%
|
1.00% |
|
Statement Savings |
$100 |
1.00%
|
1.00% |
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 Balance |
Interest Rate | Annual Percentage Yield |
|
3-Month Certificate of Deposit |
$1000 |
0.55%
|
0.55% |
|
6-Month Certificate of Deposit |
$1000 |
0.60%
|
0.60% |
|
12-Month Certificate of Deposit |
$1000 |
0.75%
|
0.75% |
|
24-Month Certificate of Deposit |
$1000 |
1.40%
|
1.41% |
A penalty will be imposed for early withdrawal. Fees could reduce earnings on the account.
| Certificate of Deposit Rates (Standard) |
Minimum Balance |
Interest Rate |
Annual Percentage Yield |
|
3-5 Month Certificate of Deposit |
$1000 |
0.30%
|
0.30% |
|
6-8 Month Certificate of Deposit |
$1000 |
0.40%
|
0.40% |
|
9-11 Month Certificate of Deposit |
$1000 |
0.50%
|
0.50% |
|
12-Month Certificate of Deposit |
$1000 |
0.60%
|
0.60% |
|
24-Month Certificate of Deposit |
$1000 |
1.15%
|
1.15% |
|
36-Month Certificate of Deposit |
$1000 |
1.74%
|
1.75% |
|
48-Month Certificate of Deposit |
$1000 |
1.99%
|
2.00% |
|
60-Month Certificate of Deposit |
$1000 |
2.72%
|
2.75% |
A penalty will be imposed for early withdrawal. Fees could reduce earnings on the account.
CHECKING RATESEffective Date: February 20, 2010
| Variable Interest Account Type |
Minimum Balance |
Interest Rate |
Annual Percentage Yield |
|
Hawaii's Best Checking |
$100 |
.05%
|
.05% |
|
Money Market Checking |
$0 to $999.99 $1000 or more |
.10% .20% |
.10% .20% |
|
Money Market Deposit Account |
$0 to $999.99 $1000 or more |
.20% .40% |
.20% .40% |
Your interest rate and Annual Percentage Yield (APY) may change after the account is opened. Fees could reduce earnings on the account.
Refer to applicable account rules and Schedule of Fees for additional disclosures or contact a branch for more information.
|