Account Rates
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ACCOUNT RATES (Effective as of 07/01/2010)
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SAVINGS & CHECKING
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Savings (Personal & Business)
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0.50%
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Holiday
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1.25%
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IRA (Traditional, Roth & Rollover)
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1.50%
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Coverdell Educational Savings (formerly Education IRA)
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1.50%
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Checking (Personal & Business)
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0.50%
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KALAREWARDS CHECKING
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Personal | Business
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Balances Up to $50,000 w/ HELOC
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4.00% | -
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Balances Up to $50,000 w/o HELOC
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3.00% | 2.00%
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Balances Over $50,000
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0.50% | 0.50%
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Requirements Not Met
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0.10% | 0.10%
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CERTIFICATES
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6 Month
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1.25% APY
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Flex Certificate - 12 to 24 Months (Terms available in monthly increments only)
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1.50% APY
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Account Rates Disclosure:
All rates & offers are effective as shown above unless noted, subject to change & other restrictions may apply. Membership ($100 in savings) required. Contact an employee for further info about applicable fees & terms. Accounts quoted as Annual Percentage Yield (APY) & require $100 min balance to earn rate unless noted. Holiday – $10 min to earn rate & available Oct 1 to Jan 31. IRA & Coverdell – no min to earn rate. Checking – $300 min to earn rate. KalaRewards – no min to earn rate; $10,000 min HELOC balance for highest rate; monthly requirements: electronic statement, 10 check card transactions & 1 direct deposit / ACH. Certificates – $1,000 min & early withdrawal penalty may be imposed.
Loan Rates
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LOAN RATES (Effective 07/01/2010 - [1])
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NEW AUTO Rate Reduction Offered with 20% Cash Down Payment - [2]
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Term
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Regular | Go Green
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3-Year
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4.90% | 4.65%
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4-Year
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5.25% | 5.00%
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5-Year
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5.75% | 5.50%
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6-Year
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6.25% | 6.00%
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7-Year
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6.50% | 6.25%
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USED AUTO Rate Based on Vehicle Age - [3]
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3 Years or Less Terms up to 6 Years
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7.25%
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4-6 Years Terms up to 5 Years
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7.75%
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OTHER PERSONAL
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Personal Terms up to 5 years
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9.50%
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Overdraft Protection
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10.00%*
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Personal Line of Credit
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10.00%*
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Education / Tuition Terms up to 7 years
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8.00%
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Home Improvement Loan Terms up to 7 years
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8.00%
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IRA 1-Year Term
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8.00%
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Savings Secured 12-Year Term- [4]
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3.00%**
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VISA® Gold Annual Fee Waived
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8.00%
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VISA® Classic Annual Fee Waived
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12.00%
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SUMMER LOAN SPECIAL Effective 6/15/2010 – 08/31/2010
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Terms up to 4 years Minimum $5,000; Maximum $20,000; automatic loan payment from an APFCU checking account required; existing APFCU personal loans must take a $5,000 min advance, above their existing balance to qualify
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6.75%
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MORTGAGES 30-Day Lock at Time of Loan Approval - [5]
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Fixed Conventional, Jumbo, Investor and ARM
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Call 539-0195 for Current Rate Specials & Fees or Click Here for Rates
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HOME EQUITY LINE OF CREDIT (HELOC) Ask About Our $350 Discount! - [6]
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Type
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Intro | Current
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KalaConvenience Owner – 6-Month Special - [7]
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3.50% | 5.00%
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KalaConvenience Investor - [8]
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7.00% | 7.00%
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Loan Rates Disclosure:
[1] All rates & offers are effective as shown above unless noted, subject to change & other restrictions may apply. Membership ($100 in savings) required. Contact an employee for further info about applicable fees & terms. Loans quoted as fixed Annual Percentage Rate (APR), unless noted & subject to approval. [2] New Auto – Min $15,000 for 6-Yr & $20,000 for 7-Yr terms. 0.25% discount with 20% down payment (0.10% for Go Green). Go Green is any “hybrid” vehicle (or gets 25+ MPG). [3] Used Auto– Rate based on vehicle age. [4] Savings Secured – 2.50% above personal savings rate. [5] Mortgages offered thru CUSO of Hawaii Services LLC, a wholly owned subsidiary. [6] HELOC has no credit union closing cost, annual fee or prepayment penalty. $350 discount on 3rd party fees ($350 - $1,200 estimated) for loans up to $250,000 (maximum). Applies to Hawaii properties with fire, hurricane and applicable flood insurance. [7] KalaConvenience Owner – the owner occupant rate is fixed for six months at closing and adjusted quarterly based on the prime rate plus 1.00% as published in the Wall Street Journal (5.00% minimum & 18.00% maximum) with a 10-year draw & 30-year amortization period. [8] KalaConvenience Investor – the investor property rate is adjusted quarterly based on the prime rate plus 2.00% as published in the Wall Street Journal (7.00% minimum & 18.00% maximum) with a 10-year draw & 30-year amortization period. * = Rate adjustable quarterly. ** = Rate adjustable monthly.
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