Rates & Fees

Loan Rates

Type	Term	Annual Periodic Rate
100% Share Secured	1 – 3 Years	1.90% APR*++
	4 – 5 Years	1.90% APR*++
	6 – 7 Years	3.00% APR*++
50% Share Secured	1 – 5 Years	2.50% APR*++
	6 – 7 Years	5.00% APR*++
Personal (Max: $20,000.00 per borrower)	1– 2 Years	2.75% APR*++
	3 Years	2.75% APR*++
	4 – 5 Years	4.00% APR*
	6 Years	6.00% APR*++
Education	36 Months	2.99% APR*++
New Auto (Max: $50,000.00)	1 – 3 Years	1.49% APR*++
	4 Years	1.49% APR*++
	5 Years	1.49% APR*++
	6 Years	3.50% APR*++
	7 Years	4.50% APR*++
Used Auto (Model Year 2007 – 2013) (Max: $30,000.00)	1 – 3 Years	1.99% APR*++
	4 Years	1.99% APR*++
	5 Years	1.99% APR*++
	6 Years	4.25% APR*++
Motorcycle (Model Year 2007 – 2013)	1 – 4 Years	5.00% APR*
	5 Years	5.50% APR*
Line of Credit (up to $5,000.00 with approval)	N/A	10.00% APR*
Cover Check Line of Credit (up to $500.00 with approval)	N/A	10.00% APR*
Home Equity Line of Credit	Call HMSA EFCU for current term and loan rate.
HELOC "Green Loan"	Call HMSA EFCU for current term and loan rate.

*APR = Annual Percentage Rate

Rates effective: December 31, 2013. Rates subject to change without notice.

++Special loan rates for December 31, 2013 do not apply for refinancing existing HMSA EFCU loans.

Savings Rates - Effective 12/1/2013 to 12/31/2013

Type	Dividend Rate
Share Savings	.40% APR*	.40% APY**
Christmas Club Savings	.40% APR*	.40% APY**
Share Draft Checking	.40% APR*	.40% APY**

*APR = Annual Percentage Rate; **APY = Annual Percentage Yield

Rates are effective December 1 to December 31, 2013. Interest rates quoted are subject to change monthly. Contact the Credit Union for more information about applicable fees and terms on share accounts.

Fee Schedule

Type	Amount
Share/Christmas Account (Savings)
Third Party Check	$1.00
Photocopy of Check	$2.50
Photocopy of Member Statement	$2.50
Credit Union Stale Dated Check	$20.00
Non-sufficient Funds	$25.00
Stop Payment	$25.00
Share Draft Accounts (Checking)
Photocopy of Draft	$2.50
Photocopy of Member Statement	$2.50
Non-sufficient Funds	$25.00
Stop Payment	$25.00
ACH Stop Payment	$25.00
Debit Mastercard
ATM Transactions	Free***
Over Draft Fee	$25.00
Credit Cards
Credit Card Fees+++	See VISA Credit Card Disclosure
Home Banking
Home Banking Monthly Fee	$1.00
Bill Payment Monthly Fee (Includes up to 10 bills. Each bill thereafter is $0.30)	$4.00
Non-sufficient Funds	$25.00
Stop Payment	$25.00
Other Services
Money Orders	$1.00
Domestic Wire Transfers (Outgoing)	$25.00
International Wire Transfers (Outgoing)	$40.00
Records Research	$10.00/hour
American Express Travelers Cheques	Free
Notary	Free
Teller Talk	Free

***Surcharge may be applied at ATMs other than Bank of Hawaii BankMachines

+++Credit Card Fees effective: July 1, 2013