Rates & Fees
Loan Rates
Type | Term | Annual Periodic Rate |
---|---|---|
Credit Card VISA | N/A | 8.00% APR* |
100% Share Secured | 1 2 Years | 1.50% APR* |
3 5 Years | 1.90% APR* | |
6 7 Years | 3.00% APR* | |
50% Share Secured | 1 2 Years | 1.75% APR* |
3 5 Years | 2.50% APR* | |
6 7 Years | 5.00% APR* | |
Personal (Max: $20,000.00 per borrower) |
1 Year | 2.50% APR* |
2 Years | 3.50% APR* | |
3 4 Years | 4.50% APR* | |
5 Years | 5.0% APR* | |
6 Years | 6.25% APR* | |
Education | 1 3 Years | 2.99% APR* |
New Auto (Max: $50,000) |
1 3 Years | 1.75% APR* |
4 5 Years | 1.99% APR* | |
6 Years | 3.25% APR* | |
7 Years | 3.45% APR* | |
Used Auto (Max: $30,000) (Model Year 2013 Present) |
1 3 Years | 1.99% APR* |
4 5 Years | 2.50% APR* | |
6 Years | 4.25% APR* | |
Motorcycle (Model Year 2013 Present) |
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 (Good 6/1/18 5/31/19) |
Call HMSA EFCU for current term. | 3.75% APR* |
*APR = Annual Percentage Rate
Rates effective: November 1 to November 30, 2018. Rates subject to change without notice. Some restrictions may apply.
Savings Rates - Effective 1/1/2019
Type | Dividend Rate | |
---|---|---|
Share Savings | .75% APR* | .75% APY** |
Christmas Club Savings | .50% APR* | .50% APY** |
Share Draft Checking | .50% APR* | .50% APY** |
*APR = Annual Percentage Rate; **APY = Annual Percentage Yield
Rates are effective October 1 to December 31, 2018. Dividend 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 |
Online Banking | |
Online 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