Account Rates
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ACCOUNT RATES (Effective as of 02/01/2012)
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SAVINGS & CHECKING
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Personal | Business
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Savings (Personal & Business)
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0.20% | 0.20%
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Holiday
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0.50% | ---
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IRA (Traditional, Roth & Rollover)
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0.90% | ---
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Coverdell Educational Savings (formerly Education IRA)
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0.90% | ---
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Checking (Personal & Business)
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0.10% | 0.10%
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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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2.00% | ---
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Balances Up to $50,000 w/o HELOC
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1.00% | 0.50%
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Balances Over $50,000
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0.10% | 0.10%
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Requirements Not Met
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0.10% | 0.10%
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CERTIFICATES
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Personal | Business
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6 Months
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0.40% | 0.15%
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12 Months
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0.65% | 0.40%
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18 Months
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0.75% | 0.50%
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24 Months
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0.90% | 0.65%
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36 Months
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1.40% | 1.15%
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48 Months
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1.65% | 1.40%
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60 Months
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1.90% | 1.65%
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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.
Some services not available in all states. Nevada residents joining after 11/30/2010 are limited to one certificate, up to $10,000; business certificates and KalaRewards checking are not available.
Loan Rates
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LOAN RATES (Effective 02/01/2012 - [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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2.99% | 2.99%
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6-Year
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3.49% | 3.49%
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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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2.70%**
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VISA® Gold Annual Fee Waived
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8.00%
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VISA® Classic / Classic Share Secured Annual Fee Waived
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12.00%
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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 – 35-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 35 months at closing. After 35 months, the rate is variable based on the prevailing rate, 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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