Savings Rates*

Savings** Rates
$25.00 to $9,999.99 0.05% APY*
$10,000.00 to $49,999.99 0.05% to 0.09% APY*
$50,000.00 and Over 0.10% to 0.15% APY*
IRA** Rates
$0.00 to $9,999.99 0.05% APY*
$10,000.00 to $49,999.99 0.05% to 0.09% APY*
$50,000.00 and Over 0.10% to 0.15% APY*
Share Certificates and IRA Certificates² Rates
6-Month Term (Regular Share Certificates Only) 0.15% to 0.30 % APY*
12-Month Term 3.50% to 3.65% APY*
18-Month Term 0.20% to 0.35% APY*
24-Month Term 0.25% to 0.40% APY*
36-Month Term 0.30% to 0.45% APY*
48-Month Term 0.35% to 0.50% APY*
60-Month Term 0.60% to 0.75% APY*
Special Savings Accounts Rates
Super Saver Certificate² 5.00% APY*
Kids Club Savings¹ 5.00% APY*
Holiday Club Savings² 3.00% APY*

Personal Loan Rates*

Personal Loans Rates
Share Secured³ 1.50% Margin
Personal Loan4,5 7.05% APR*
Tuition Loan4,5 6.05% APR*
Overdraft Line of Credit⁵ 8.00% APR*
New & Used Vehicle Loan
New Vehicle Loan4,5 5.09% APR*
Used Vehicle Loan4,5 5.09% APR*
Visa Credit Cards
Visa PLATINUM Credit Card 9.50% APR*
Visa PLATINUM PLUS Credit Card⁶ 7.90% APR*

Real Estate Loan Rates*

Home Equity Line of Credit Rates
Loan-To-Value 80%7,8 7.00% APR*
         1-Year Rate Fixed 4.00% APR*
         3-Year Rate Fixed 5.00% APR*
         5-Year Rate Fixed 6.00% APR*
Loan-To-Value 90%7,8 8.00% APR*
Fixed-Rate Mortgage Loans Rates
Loan-To-Value 80%7 --
         15-Year Term, No Points Call for rates
         20-Year Term, No Points Call for rates
         30-Year Term, No Points Call for rates
Loan-To-Value 90%7 --
         15-Year Term, No Points Call for rates

*APY is Annual Percentage Yield. APR is Annual Percentage Rate. Rates current as of 03-01-2025; subject to change. All credit union products & services subject to membership eligibility. All loan products subject to credit review. **Earn one or more of the noted APYs based on each portion of your average daily balance (ADB) that falls within each tier. ¹ Kids Club Savings accounts are subject to a maximum monthly deposit of $100 and are restricted to primary members under the age of 18 years (after which the account will be closed and the balance transferred into their Regular Share account). ² These accounts are subject to a penalty for early withdrawal, which may result in forfeiture of accrued dividends. Other restrictions may apply. Limited time offer; subject to change or cancellation without notice. Share Certificate rates are based on length of membership. Subject to a minimum deposit of $2,500. Holiday Club Savings accounts are subject to a maximum monthly deposit of $200. Super Saver Share Certificate Accounts are subject to a maximum opening deposit of $1,000 and available for a 12-Month term only. Limited to one account per member with a Checking Account including a direct deposit arrangement. ³ Share Secured loans will incur a rate of 1.50 percentage point (what we call a Margin) above the posted Dividend Rate (APY) for the type of Savings or Share Certificate account pledged for collateral. ⁴ Lowest available rate for a 3-year term loan on Vehicle Loans and a 1-Year term loan on Personal and Tuition Loans including the maximum discount available under the MemberRewards Program. Other rates and terms available. ⁵ Based on credit standing, loan rates may vary up to 17.00% APR for a Tuition Loan or 18.00% APR for all other loans. Maximum amount for vehicle loans is based on the value of the vehicle. ⁶ Visa PLATINUM PLUS Credit Card’s minimum credit line is $5,000. ⁷ For residential, owner-occupied, fee simple properties in the State of Hawaii. Lowest available rate subject to certain conditions. ⁸ Current standard rate for 80% is 8.000% APR.