Rates

Loan Rates Effective 4/01/2011

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Signature Loans APR

    12 Months 4.95%

    24 Months 6.00%

    36 Months 7.50%

    48 Months 9.00%

    60 Months 9.00%

New Auto Loans-Fixed Rate APR

    24 Months 1.95%

    36 Months 2.49%

   48 Months 2.99%

   60 Months 3.50%

   72 Months 4.35%

84 Months - $25,000 minimum 4.95%

100% financing available for all new car loans.

Used Auto Loans-Fixed Rate APR

2008 - 2011 Models -  24 Months 3.49%

1.95%

2008 - 2011 Models - 36 Months 2.49%

2008 - 2011 Models - 48 Months 2.99%

2008 - 2011 Models - 60 Months 3.50%

2005 - 2007 Models - 24 Months 1.95%

2005 - 2007 Models - 36 Months 2.49%

2005 - 2007 Models - 48 Months 2.99%

100% financing available based on the Retail Kelley Blue Book Value for all used car loans

Home Equity Line*
APR

Variable rate/adjusts quarterly 5.25%

SPECIAL - 36 MONTHS FIXED AT 3.95% APR. PLUS $500 TOWARD CLOSING COSTS AND NO ANNUAL FEES OR POINTS. *

Mortgages (Please call us for the rates and details)

VISA Classic 13.50%

Tuition Loan (Private Schools PK thru grade 12) 4.75%

Share Secured (Up to 12 years - variable /2.50% over share dividend rate) 2.80%

Overdraft Line of Credit 16.50%

Signature Line of Credit; Prime plus 1%; 7.50% APR. floor rate; adjusts quarterly 7.50%

Rates, terms and conditions are subject to change without notice. All loans are subject to loan approval. Other restrictions may apply. APR.- Annual Percentage Rate.

* The home equity Credit Line APR. is subject to change quarterly based on the Wall Street Journal Prime Rate plus 1.00%. The minimum APR. is 5.25% and will never exceed18%. Fire, hurricane and flood (if the property is located in a flood zone area) insurance is required.  The residential property to be secured must be located on the island of Oahu. The three year fixed-rate special will be effective from the opening date of your loan after which you will be subject to quarterly rate changes shown above. The closing credit up to $500 to pay for third party services will be assessed if the account is closed within the first three years. This special does not apply to existing Oahu FCU home equity creditlines.

Dividend Rates (Effective January 12, 2012)

Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States.

   Share Certificate Special ·        Minimum Deposit APY*

.   180 Days

.         $1,000.00

0.35%

·   1 Year ·         $1,000.00 0.50%

·   2 Years ·         $1,000.00 0.75%

·   3 Years ·         $1,000.00 1.00%

·   4 Years ·         $1,000.00 1.00%

   Share Type: ·         Minimum Deposit APY*

·  Primary share account ·         $100.00 0.30%

·  Youth club (0 - 19 years) ·         $25.00 0.30%

·  Share Draft
No minimum required. ($1000 and greater to earn APY)
0.10%

·  Individual Retirement Account:

·  IRA Account ·         $100.00 1.20%

·  IRA - Conduit Rollover ·         $100.00 1.20%

·  Roth IRA /Traditional Rollover ·         $100.00 1.20%

·  Roth IRA ·         $100.00 1.20%

·  Christmas Club Account     ($10,000 maximum)
·         $5.00 0.40%

· *APY = Annual Percentage Yield.

·   Rates are subject to change. Please call for more information