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Disclosures

Loans

Our personal and automotive loans are an open-end loan product. The term is only used only to calculate payment under the open-end subaccount. These rates are the lowest available. Your rate may be higher based on your credit history. Certain terms and conditions apply. Rates, terms and conditions subject to change without notice.

HELOC loans have a variable rate based on the monthly average of the six month Treasury Bill plus a margin. Rates adjust semi-annually. The property must be owner occupied. There is a 7 year draw period.

If an appraisal or trust review is required, you will be required to pay those costs at closing. Only improved residential property in Hawaii is accepted as collateral. Rates, terms and conditions are subject to change without notice. Property insurance is required. An initial draw of $3,000 is required.

Minimum Payment Example: If you made only the minimum monthly payment and took no other credit advances it would take 6 years to pay off a credit advance of $10,000 at an ANNUAL PERCENTAGE RATE of 5.00%. During that period, you would make 71 payments of $162.00 and one (1) final payment of $83.24.