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| LOAN RATES | ||||||||||||||||||||||||
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| The loan rates advertised below are "A" Tier rates in our Multi-Tiered Loan Rate Program, except for Home Equity Line of Credit, Overdraft Protection, Fully Share Secured, and Money Market Loans | ||||||||||||||||||||||||
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Rates, terms, policies and promotion parameters are subject to change without prior notice. A specific loan rate tier will be assigned each time a completed loan request is submitted. The assignment will be based upon a member's credit worthiness, as determined by our Credit Scoring/Multi-Tiered Loan Rate Policies. Within each loan type and term a different rate tier will be offered. |
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*Up to 100% of purchase price not to exceed $25,000 for current model year or newer Motorcycles, and up to 100% of Kelley Blue Book Retail (KBBR) value not to exceed $25,000 for used Motorcycles. *Only Hawaii registered motorcycles will be
accepted for used motorcycles loans.
Payment Examples of "A" Tier Motorcycle loans per $1000.00 borrowed 2 years at 6.50% - 23 payments of $44.55 and one (1) irregular payment of approximately $44.39 |
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| 50/50 Loan
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Payment Examples of "A" Tier 50/50 loans per $1000.00 borrowed 1 year at 6.00% - 11 monthly payments of $86.07 and one (1) irregular payment of approximately $85.95 |
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| Personal/Partially Auto Secured Loan
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Payment Examples of "A" Tier Personal/Partially Auto Secured loans per $1000.00 borrowed 1 year at 8.00% - 11 monthly payments of $87.00 and one (1) irregular payment of approximately $86.75 |
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| Home Equity Line of Credit
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*Annual Adjustable Rate applicable 4/1/2011 through 3/31/2012. Thereafter, the interest rate will adjust in accordance with the terms of the Loanliner Credit Agreement. Monthly payment on a $10,000 loan is $162.00.
**Semi-Annual Adjustable Rate applicable 10/1/2011 through 3/31/2012. Thereafter, the interest rate will adjust in accordance with the terms of the Loanliner Credit Agreement. Monthly payment on a $10,000 loan is $100.00. |
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| Home Equity Closed End (2nd Mortgage) |
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Payment Examples of a $10,000.00 "A" Tier Balloon and Fixed Rate loan 3 Yr. Balloon Payment/Owner at 3.00% - 35 monthly payments of $69.07 and one (1) Balloon Payment of approximately $8,411.23 3 Yr. Balloon Paymentmt/Investment at 3.00% - 35 monthly payments of $69.07 and one (1) Balloon Payment of approximately $8,411.23 5 Yr. Balloon Payment/Owner at 3.50% - 59 monthly payments of $71.51 and one (1) Balloon Payment of approximately $7,300.03 5 Yr. Balloon Payment/Investment at 3.50% - 59 monthly payments of $71.51 and one (1) Balloon Payment of approximately $7,300.03 7 Yr. Fixed Rate/Owner at 4.00% - 83 monthly payments of $136.71 and one (1) irregular payment of approximately $135.16 7 Yr. Fixed Rate/Investment at 4.00% - 83 monthly payments of $136.71 and one (1) irregular payment of approximately $135.16 12 Yr. Fixed Rate/Investment at 4.25% - 143 monthly payments of $88.79 and one (1) irregular payment of approximately $86.43 15 Yr. Fixed Rate/Owner at 4.25% - 179 monthly payments of $75.25 and one (1) irregular payment of approximately $70.78 |
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The loan rates advertised are the
"A" Tier rates in our Multi-Tiered Loan Rate Program, except
for Home Equity Line of Credit, Overdraft Protection, Share Secured, and
Money Market Loans
A specific loan rate tier will be assigned
each time a completed loan request is submitted. The assignment
will be based upon a member's credit worthiness, as determined by our
Credit Scoring/Multi-Tiered Loan Rate Policies. Within each loan
type and term a different rate tier will be offered.
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| Share Secured Loan
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Payment Examples of "A" Tier Share Secured loans per $1000.00 borrowed Based on $1111.11 to be secured on available shares, with a loan amount of $1000.00 at 5.00% - 35 monthly payments of $10.61 and one (1) balloon payment of approximately $760.89 |
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| Savings Certificate Secured Loan
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The current Savings Certificate Rate as of February 1, 2012 is .40% (for 1 year certificate) and .30% (for certificates less than 1 year), resulting in an APR of 2.40% (on a 1 year certificate) and 2.30% (on certificates less than 1 year). This rate is subject to change based on current Certificate Rates as applicable. Payment Examples of "A" Tier Savings Certificate Secured loans per $1000.00 borrowed Based on 1 year certificate of $1111.11 to be secured, with a loan amount of $1000.00 at 3.00% - 11 monthly payments of $84.70 and one (1) irregular payment of approximately $84.59 |
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| Overdraft Protection
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We do Business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. |
Send mail to webmaster@phfcu.com with
questions or comments about this website. Copyright © 1998 Pearl Harbor Federal Credit Union |
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