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HFS FCU E-Statements
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HFS FCU Rates


Loan Rates

The loan rates listed below are effective as indicated and are subject to immediate change by Board action if necessary, due to circumstances not known at this time. If you have any questions or require current rate information on your account please give us a call or stop by any of our offices.


Auto Loans
Effective Date: January 01, 2017
TermAnnual Percentage Rate
New Automobile (1,2,3)
  Up to 36 Months 2.990% to 13.000%
  37 to 48 Months 2.990% to 15.000%
  49 to 60 Months 2.990% to 16.500%
  61 to 72 Months
Min. Credit Score:590
3.990% to 9.500%
  73 to 84 Months
Min. Credit Score:640
4.990% to 7.500%
Used Automobile (1,2,3)
  Up to 36 Months 3.990% to 13.500%
  37 to 48 Months 3.990% to 15.500%
  49 to 60 Months 3.990% to 16.500%
  61 to 72 Months
Min. Credit Score:680
4.990% to 5.490%
1.) 0.25% discount with 20% down payment
2.) 0.25% discount with automatic transfer from Share Draft, Share Account, or payroll deduction
3.) 0.25% discount with submission of Web-Loan application


Personal Loans
Effective Date: January 02, 2017
TermAnnual Percentage Rate
Personal Loan (1,2)
  Up to 12 Months 4.500% to 14.000%
  13 to 36 Months 4.500% to 15.750%
  37 to 60 Months 4.500% to 16.750%
Line of Credit* Unsecured
  - 10.000% to 17.750%
1.) 0.25% discount with automatic transfer from Share Draft, Share Account, or payroll deduction
2.) 0.25% discount with submission of Web-Loan application


Green Loans
Effective Date: January 01, 2017
TermAnnual Percentage Rate
Solar Water Heating Loan (1,2)
  Up to 60 Months 0.00%
1.) $5,000 minimum, $10,000 maximum loan amount. Must be installed by a participating contractor in partnership with Hawaii Energy.
2.) Consult with your tax advisor regarding state and federal tax credits.


Share Secured Loans
Effective Date: January 01, 2017
% Above IndexTermDaily Periodic Rate
Share Secured
  2% Up to 120 Months Please see below.
Certificate Secured
  2% - Please see below.
Share Secured (Line of Credit)
  - - Please see below.


Real Estate Loans
Effective Date: January 1, 2017
Loan TypeInterest RatePointsAPR*Monthly Principal & Interest Payment
First Mortgage
Up to 360 Monthly Payments
Click here for current rates
Second Mortgage (1)
180 Monthly Payments
6.625% 0.000% 6.625% $878.00 per $100,000 borrowed
Vacant Land 10 Year Fixed
120 Monthly Payments
7.250% 0.000% 7.295% $1,174.02 per $100,000 borrowed
Vacant Land Interest Only (2)
Up to 36 Monthly Payments
7.250% 0.000% 7.250% Interest only payments
Investor Mortgage (3)
180 Monthly Payments
on improved property
7.250% 0.000% 7.274% $682.18 per $100,000 borrowed
  6.875% 1.000% 7.017% $656.93 per $100,000 borrowed
  6.625% 2.000% 6.884% $640.32 per $100,000 borrowed
Interim Construction
Up to 12 Months
6.000% 2.000% 8.301% Interest only payments
Construction to Permanent (4)
12 Months interest only payments - converts to 180 or 360 P&I payments
Contact the Credit Union for current rates. Based off selected first mortgage rate Based off selected first mortgage rate Based off selected first mortgage rate
1.) Annual Percentage Rate (APR) is based on a maximum of 80% loan to value and includes a $200.00 document preparation fee and discount points. 1 point is equal to 1.00% o total loan amount. APR does not include prepaid interest. Maximum loan amount of $625,500.
2.) Monthly interest only payments with a balloon payment due at 36 months.
3.) Monthly principal and interest payments ammortized over 360 months with a balloon payment due at 180 months.
4.) APR for construction phase will be based off First Mortgage rate selected for permanent phase plus a margin of 1.5%. Points based on First Mortgage rate selected for permanent phase. Example: if member selects 30 year first mortgage for permanent phase with an interest rate of 4.00% the construction phase would then have an interest only rate of 5.50%, which is equal to a margin of 1.5% over the permanent rate of 4.00%.


Home Equity Loans
Effective Date: January 1, 2017
Index RateMargin Added to IndexDaily Periodic RateAnnual Percentage Rate
Initial Discounted Rate (1) 0.99% APR - - -
Current Rate for loans up to 80%
Loan to Value (2)
3.75% APR .50% 0.0116438% 4.25% APR
Current Rate for loans up to 100% Loan to Value (2) 3.75% APR 1.50% 0.0143836% 5.25% APR
1.) The initial discounted rate will be in effect for 12 months.
2.) The current rate that would have applied without the initial discounted rate.


Student Loan
Effective Date: January 1, 2017
FACS GradeBase Rate 1 (Prime Rate)Loan MarginUpfront Fee 2
Platinum Honors 3.50% 0.25% 2.50%
Platinum Plus 3.50% 1.50% 2.50%
Gold Honors 3.50% 2.75% 2.50%
Gold Plus 3.50% 3.75% 2.50%
Silver Honors 3.50% 4.75% 2.50%
Silver Plus 3.50% 5.75% 2.50%
NOTE: There is a 6% floor on the loan rate. If the Base Rate + Loan Margin is less than 6%, the loan rate will be 6%.
Loan Interest Rate = Base Rate + Loan Margin
1.) The Prime Rate for the Education Loan is equal to the average of the Prime rates as published in Wall Street Journal for the three (3) months immediately preceding each quarterly adjustment date. Interest rates will adjust quarterly on the first day of January, April, July, and October.
2.) Charged only once at origination.


Visa credit cards
Effective Date: January 1, 2017
Card TypeAnnual Percentage Rate
HFS Rewards VisaŽ Credit Card 9.25%

    Credit Card Disclosure


Savings Rates

Share Accounts
Effective Date: January 01, 2017
Dividend RateAnnual Percentage Yield (APY)Dividend CompoundedDividends CreditedDividend Period
Regular Share 0.15% 0.15% Monthly Monthly Monthly
(calendar)
Special Share 0.15% 0.15% Monthly Monthly Monthly
(calendar)
Individual Retirement 1.50% 1.50% Quarterly Quarterly Quarterly
(calendar)
Money Manager 0.25% 0.25% Monthly Monthly Monthly
(calendar)
Business/Club 0.15% 0.15% Monthly Monthly Monthly
(calendar)
Share Draft 0.00% 0.00% Monthly Monthly Monthly
(calendar)
NOTE: Rates subject to change. Fees may reduce earnings.

Truth-In-Savings Disclosure


Share Certificates
Effective Date: January 01, 2017
TermSuffixDividend RateAnnual Percentage Yield (APY)Minimum Deposit*
6 Months S6 0.35% 0.35% $2,500.00
12 Months S12 0.45% 0.45% $2,500.00
18 Months S18 0.55% 0.55% $2,500.00
24 Months S24 0.75% 0.75% $2,500.00
36 Months S36 0.90% 0.90% $2,500.00
48 Months S48 1.10% 1.10% $2,500.00
60 Months S60 1.25% 1.25% $2,500.00
*A minimum deposit is required to earn the stated Annual Percentage Yield (APY).
NOTE: Rates subject to change. Share certificate accounts may be subject to a penalty for early withdrawal. Fees may reduce earnings.

Truth-In-Savings Disclosure Share Certificates

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National Credit Union AdministrationEqual Housing Lender

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We do business in accordance with the Federal Fair Housing Law.