Rates
LOAN RATES
Loan rates are listed “as low as.” Actual rates may differ based on credit score.
As our rates do change daily please call 777-LOAN [5626] for the most up to date rates available.
Home Loans
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| Max Loan | Repayment Term | Draw Period | Variable (APR*) | Fixed Intro (APR*) | Rate Update | Remarks |
$350,000 | 18/30 yr | 8 yr | 8.00% | 5.99% | October 1, 2024 | 5.99% Intro APR for 3 years, then converts to prevailing variable rate after fixed promotion rate expires. Variable rate currently 8.00%. As high as 80% loan to value. |
*APR – Annual Percentage Rate. Rates effective as of 10/01/2024 and subject to change without notice. HOCU membership required.
Home Equity Line of Credit is a variable rate loan. The rate is tied to an index, the monthly average of the Six Month Treasury Bill Rate (Auction High), to which a margin is added. This rate is adjusted quarterly (8.00% APR min. & 18.00% APR max).
5.99% APR fixed for 36 months is an introductory rate which starts when the loan is opened. Program is for fee-simple owner-occupied properties located in Hawaii. You can obtain credit advances for 8 years (draw period). At the time you establish the plan you will have your choice of a 216 or a 360-month payoff period.
You must pay certain fees to third parties to open the plan. These fees generally total between $250.00 and $3,500.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties.
| Max Loan | Repayment Term | Draw Period | Variable (APR*) | Rate Update | Remarks |
$200,0001 $150,0002 | 18/30 yr 18/30 yr | 8 yr 8 yr | 9.00% 10.00% | October 1, 2024 | Between 80.01% – 90% LTV Between 90.01% – 100% LTV |
*APR – Annual Percentage Rate. Rates effective as of 10/01/2024 and subject to change without notice. HOCU membership required.
1Up to 90% LTV: maximum credit limit $200,000, for qualified borrowers with a minimum credit score of 660. Subject to credit approval. Home Equity Line of Credit is a variable rate loan. The rate is tied to an index, the monthly average of the Six Month Treasury Bill Rate (Auction High), to which a margin is added. This rate is adjusted quarterly (9.00% APR min. & 18.00% APR max).
2Up to 100% LTV: Maximum credit limit $150,000, for qualified borrowers with a minimum credit score of 720. Subject to credit approval. Home Equity Line of Credit is a variable rate loan. The rate is tied to an index, the monthly average of the Six Month Treasury Bill Rate (Auction High), to which a margin is added. This rate is adjusted quarterly (10.00% APR min. & 18.00% APR max).
Program is for fee-simple owner occupied properties located in Hawaii with combined loan to value ratios above 80% and no more than 100%. You can obtain credit advances for 8 years (draw period). At the time you establish the plan you will have your choice of a 216 or a 360 month payoff period. You must pay certain fees to third parties to open the plan. These fees generally total between $250.00 and $3,500.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties.
| Max Loan | Repayment Term | Draw Period | Variable (APR*) | Rate Update | Remarks |
$350,000 | 18/30 yr – 1st¹ | 8 yr | 8.50% | October 1, 2024 | As high as 70% loan to value. |
*APR – Annual Percentage Rate. Rates effective as of 10/01/2024 and subject to change without notice. HOCU membership required.
¹Home Equity Line of Credit is a variable rate loan. The rate is tied to an index, the monthly average of the Six Month Treasury Bill Rate (Auction High), to which a margin is added. This rate is adjusted quarterly (8.50% APR min. & 18.00% APR max). Program is for fee-simple rental properties in the 1st position with a maximum loan to value ratio of 70%. You can obtain credit advances for 8 years (draw period). At the time you establish the plan you will have your choice of a 216 or a 360 month payoff period. You must pay certain fees to third parties to open the plan. These fees generally total between $250.00 and $3,500.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties.
²Home Equity Line of Credit is a variable rate loan. The rate is tied to an index, the monthly average of the Six Month Treasury Bill Rate (Auction High), to which a margin is added. This rate is adjusted quarterly (8.75% APR min. & 18.00% APR max). Program is for fee-simple rental properties in the 2nd position with a maximum combined loan to value ratio of 70%. You can obtain credit advances for 8 years (draw period). When the draw period ends you will have a 216 month payoff period. You must pay certain fees to third parties to open the plan. These fees generally total between $250.00 and $3,500.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties.
Auto Loans
| Max Loan | Max Term | Fixed (APR*) | Rate Update | Remarks |
No Maximum | 5 yr 6 yr 7 yr | 5.25% 5.50% 6.75% | November 1, 2024 | New car must be an electric or hybrid vehicle powered by alternative fuels.
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*APR – Annual Percentage Rate. Rates effective as of 11/01/2024 and subject to change without notice. HOCU membership required.
Rates “as low as” based on creditworthiness. Actual rates may differ based on credit score.
Example: monthly payments on a $10,000 loan could be as low as $189.86 for 60 months; $163.38 for 72 months; $149.71 for 84 months.
Vehicle must be licensed and registered in the State of Hawaii.
| Max Loan | Max Term | Fixed (APR*) | Rate Update | Remarks |
No Maximum | 3 yr | 5.00% | November 1, 2024 | Up to 120% of invoice or MSRP (whichever is less). |
*APR – Annual Percentage Rate. Rates effective as of 11/1/2024 and subject to change without notice. HOCU membership required.
Rates “as low as” based on creditworthiness. Actual rates may differ based on credit score. Example: monthly payments on a $10,000 loan could be as low as $299.71 for 36 months; $231.43 for 48 months; $191.01 for 60 months; $164.55 for 72 months; $150.93 for 84 months.
Vehicle must be licensed and registered in the State of Hawaii.
| Max Loan | Max Term | Fixed (APR*) | Rate Update | Remarks |
No Maximum | 3 yr | 5.75% | September 1, 2024 | Up to 120% of Kelly Blue Book – Retail. Maximum age of used vehicle is 9 years old. |
*APR – Annual Percentage Rate. Rates effective as of 9/1/2024 and subject to change without notice. HOCU membership required.
Rates “as low as” based on creditworthiness. Actual rates may differ based on credit score. Example: monthly payments on a $10,000 loan could be as low as $303.09 for 36 months; $236.00 for 48 months; $194.49 for 60 months; $170.49 for 72 months.
Vehicle must be licensed and registered in the State of Hawaii.
Personal Loans
| Max Loan | Max Term | Fixed (APR*) | Rate Update | Remarks |
$20,000 | 1 yr | 6.25% | June 1, 2024 |
*APR – Annual Percentage Rate. Rates effective as of 06/01/2024 and subject to change without notice. HOCU membership required.
Rates “as low as” based on creditworthiness. Actual rates may differ based on credit score. Example: monthly payments on a $10,000 loan could be as low as $861.81 for 12 months; $453.41 for 24 months; $319.16 for 36 months; $254.83 for 48 months; $218.67 for 60 months.
| Max Loan | Max Term | Variable (APR*) | Rate Update | Remarks |
$50,000 | 12 yr | 3.098% | January 1, 2020 | 100% of funds on deposit.
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*APR – Annual Percentage Rate. Rates effective as of 1/1/2020 and subject to change without notice. HOCU membership required.
Regular Share Secured variable rate – 2.50% above Regular Share dividend rate and adjusted monthly (3.098% APR min. – 18.00% APR max.)
| Max Loan | Fixed (APR*) | Rate Update | Remarks |
$5,000 | 12.00% | January 1, 2020 | Minimum monthly payment is the greater of $50 or 3% of the balance outstanding. |
*APR – Annual Percentage Rate. Rates effective as of 1/1/2020 and subject to change without notice. HOCU membership required.
PV/Solar Loans
| Max Loan | Max Term | Fixed (APR*) | Rate Update |
$50,000 | 5 yr Refinance Term** 6 yr | 5.99% Refinance Rate** 6.49% | September 1, 2023 |
*APR – Annual Percentage Rate. Rates effective as of 9/1/2023 and subject to change without notice. HOCU membership required.
Rates “as low as” based on creditworthiness. Actual rates may differ based on credit score. Owner-occupied properties only. Example: monthly payments on a $10,000 loan could be as low as $193.28 for 60 months; $134.80 for 96 months; $116.06 for 120 months.
**Rates “as low as” based on creditworthiness. Actual rates may differ based on credit score. Owner-occupied properties only. Example: monthly payments on a $10,000 loan could be as low as $168.05 for 72 months; $134.80 for 96 months.
Credit Cards
| Max Loan | Max Term | Fixed (APR*) | Rate Update | Remarks |
$25,000 | 3% of balance/month | 13.75% | No annual fee, up to 25 day grace period. |
*APR – Annual Percentage Rate. Rates effective as of 1/1/2020 and subject to change without notice. HOCU membership required.
Balance transfer fee (finance charge): 3.00% of each balance transfer.
| Max Loan | Max Term | Fixed (APR*) | Rate Update | Remarks |
$25,000 | 3% of balance/month | 10.75% | January 1, 2020 | No annual fee, up to 25 day grace period. |
* APR – Annual Percentage Rate. Rates effective as of 1/1/2020 and subject to change without notice. HOCU membership required.
Balance transfer fee (finance charge): 3.00% of each balance transfer.
| Max Loan | Max Term | Fixed (APR*) | Rate Update | Remarks |
$25,000 | 3% of balance/month | 9.75% | January 1, 2020 | No annual fee, up to 25 day grace period. |
*APR – Annual Percentage Rate. Rates effective as of 1/1/2020 and subject to change without notice. HOCU membership required.
Balance transfer fee (finance charge): 3.00% of each balance transfer.
| Max Loan | Max Term | Fixed (APR*) | Rate Update | Remarks |
$50,000 | 3% of balance/month | 6.99% | January 1, 2020 | No annual fee, up to 25 day grace period. |
*APR – Annual Percentage Rate. Rates effective as of 1/1/2020 and subject to change without notice. HOCU membership required.
Balance transfer fee (finance charge): 3.00% of each balance transfer.
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Honolulu Federal Credit Union
Call (808) 777-5646Routing Number: 321379164
NMLS Number: 477720
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by the NCUA 
- Equal Housing
Lender