Current Rates

Effective as of 10/01/2016

TypeTermAPR*
New / Used Auto Loans
Ask about our Auto Loan rate match program!
1-3 YearsAs low as 1.75%*
4 YearsAs low as 1.99%*
5 YearAs low as 1.99%*
6 YearAs low as 3.00%*
7 YearAs low as 3.50%*
Signature W/Collateral1 YearsAs low as 2.50%*
2 YearsAs low as 3.00%
3 YearsAs low as 3.50%*
4 YearsAs low as 4.00%*
5 YearsAs low as 4.50%*
Personal Loans1 YearsAs low as 3.50%*
2 YearsAs low as 4.00%*
3 YearsAs low as 4.50%*
4 YearsAs low as 5.00%*
5 YearsAs low as 5.50%*
HTIFCU Quick Cash Loan Program1-6 MonthsCall us for more information
Share Secured Loans1-10 YearsAs low as 2.60%*
Line of Credit/Overdraft As low as 11.25%*
Home Equity
HELOC
15 Years Fixed 6.50% **
15 Years Variable4.00%**
Second Mortgage5 Years Fixed4.50%**
10 Years Fixed5.50%**
15 Years Fixed6.50%**

*APR = Annual Percentage Rate.  Loan approvals are subject to qualification and based upon credit history.  Rates may change at any time without notice.  Your Annual Percentage Rate (APR) will be based upon your creditworthiness.  Annual Percentage Rate shown is the lowest available.  Higher rates may apply for loan, depending on member’s individual credit information, term and collateral.

**The Current Variable Index Rate shall be based on the average of the ninety-one (91) day Treasury Bill auction plus three (3%) rounded to the next highest quarter percent (1/4 %). The annual percentage rate may change February 1st, May 1st, August 1st, and November 1st of every year. The Current Variable Index Rate shown is current as of 02/01/2016 and will never increase more than 6.00% above the initial rate disclosed above, not to exceed 18.00%, nor decrease below 3.00%. No increase may exceed 2.00% in any one year period. If the Credit Union forgoes an Annual Percentage Rate Increase, it may return to the Index Rate determination of the next scheduled change date.  Minimum credit line is $10,000.00. Maximum credit lines are as follows: Fee-simple, owner-occupied HELOC, single family dwelling: The lesser of $250,000.00 or 80% Loan to Value, which is the value of your home. Minus the balance of your existing mortgage and or liens. Fee-simple, owner-occupied HELOC, Townhouses and Condominiums: The lesser of $250,000.00 or 75% Loan to Value, which is the value of your home. Minus the balance of your existing mortgages and or liens.  You will be required to pay closing cost for certain third party fees (e.g. title search, recordation, documentation, flood determination), estimated at $250 to $2000. Only improved residential property in the State of Hawaii is accepted as collateral. Property Insurance is required. There is no transaction or other activity charges. Membership in the credit union is required. Rates, terms, and conditions are subject to change without notice.  Other terms and conditions may apply. Please speak to a credit union representative for more information .

Full HELOC Disclosure Click here

Share Certificate Rates

Share TypeDividend Rate/Annual Percentage Yield (APY)Minimum Opening DepositMinimum Balance Required to Earn Stated APYDividends Compounded/ Credited
Share Certificates
1 year0.30% $2,500.00 $2,500.00 Quarterly
2 years0.40% $2,500.00 $2,500.00 Quarterly
3 years0.55% $2,500.00 $2,500.00 Quarterly
4 years0.65% $2,500.00 $2,500.00 Quarterly
5 years1.00% $2,500.00 $2,500.00 Quarterly

(Effective as of Last Dividend Declaration – 3/31/2016)

IRA Certificates (Traditional, Roth & Education)

Term Dividend Rate/Annual Percentage Yield (APY)Minimum Opening DepositMinimum Balance Required to Earn Stated (APY)Dividends Compounded/Credited
1 years0.30% $1,000.00 $1,000.00 Quarterly
2 years0.40% $1,000.00 $1,000.00 Quarterly
3 years0.55% $1,000.00 $1,000.00 Quarterly
4 years0.65% $1,000.00 $1,000.00 Quarterly
5 years1.00% $1,000.00 $1,000.00 Quarterly

Credit Builder Certificate

TermDividend Rate/Annual Percentage Yield (APY)Minimum Opening DepositMinimum Balance Required to Earn Stated (APY)Dividends Compounded/Credited
1 - 5 years2.00% $1,000.00 $1,000.00 Quarterly

Share Accounts

Account TypeDividend Rate/Annual Percentage Yield (APY)Minimum Opening DepositMinimum Balance Required to Earn Stated (APY)Dividends Compounded/Credited
Daily Shares Account0.10%$-$-Quarterly
2nd Daily Shares0.10%$-$-Quarterly
Christmas Club Account0.30%$-$-Quarterly
Vacation Club Account0.30%$-$-Monthly
Keiki Daily Shares0.10%$-$-Quarterly
IRA Passbook Share Accounts (Traditional, Roth & Education)0.25%$50.00$50.00Quarterly

Share Draft Accounts

Account TypeDividend Rate/Annual Percentage Yield (APY)Minimum Opening DepositMinimum Balance Required to Earn Stated (APY)Dividends Compounded/Credited
Share Draft Checking (Dividend Bearing)0.10%$300.00$300.00Monthly
Share Draft Checking (Non-Dividend Bearing)0.00%$-$-N/A

New Account Disclosures

 

 

*APY is Annual Percentage Yield.  Rates are subject to change any time without notice.