Welcome to Pearl Harbor Federal Credit Union

LOAN RATES

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

APR =Annual Percentage Rate
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.

New and Used Auto Loan

Term	New Auto APR^*	Used Auto APR^**
2 years	1.75%	1.75%
3 years	2.50%	2.50%
4 years	3.25%	3.25%
5 years	3.50%	3.50%
6 years	4.00%	4.00%
7 years	5.50%^***	N/A
8 years	6.50%^***	N/A

*Based upon the loan rate tier received. Financed amounts will range from 95% to 125% of MSRP.
** Hawaii registered vehicles only -- Based upon the loan rate tier received. Financed amounts will range from 95% to 125% of most recent Kelley Blue Book Karpower Retail Value +/- value of mileage.
***Minimum loan amount is $25,000.

Payment Examples of "A" Tier New Auto loans per $1000.00 borrowed

2 years at 1.75% - 23 monthly payments of $42.44 and one (1) irregular payment of approximately $42.15

3 years at 2.50% - 35 monthly payments of $28.87 and one (1) irregular payment of approximately $28.49

4 years at 3.25% - 47 monthly payments of $22.25 and one (1) irregular payment of approximately $21.91

5 years at 3.50% - 59 monthly payments of $18.20 and one (1) irregular payment of approximately $17.67

6 years at 4.00% - 71 monthly payments of $15.65 and one (1) irregular payment of approximately $15.19

7 years at 5.50% - 83 monthly payments of $14.38 and one (1) irregular payment of approximately $13.28

8 years at 6.50% - 95 monthly payments of $13.39 and one (1) irregular payment of approximately $12.87

Payment Examples of "A" Tier Used Auto loans per $1000.00 borrowed

Motorcycle Loan

Term	APR
2 years*	6.50%
3 years*	7.00%
4 years*	7.50%
5 years*	8.00%

*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

3 years at 7.00% - 35 payments of $30.88 and one (1) irregular payment of approximately $30.70

4 years at 7.50% - 47 payments of $24.19 and one (1) irregular payment of approximately $23.40

5 years at 8.00% - 59 payments of $20.28 and one (1) irregular payment of approximately $19.89

50/50 Loan

Term	APR
1 year	6.00%
2 years	6.50%
3 years	7.00%

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

2 years at 6.50% - 23 monthly payments of $44.55 and one (1) irregular payment of approximately $44.39

3 years at 7.00% - 35 monthly payments of $30.88 and one (1) irregular payment of approximately $30.70

Personal/Partially Auto Secured Loan

Term	APR
1 year	8.00%
2 years	8.50%
3 years	9.50%
4 years	10.50%
5 years	11.50%

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

2 years at 8.50% - 23 monthly payments of $45.46 and one (1) irregular payment of approximately $45.27

3 years at 9.50% - 35 monthly payments of $32.04 and one (1) irregular payment of approximately $31.64

4 years at 10.50% - 47 monthly payments of $25.61 and one (1) irregular payment of approximately $25.02

5 years at 11.50% - 59 monthly payments of $22.00 and one (1) irregular payment of approximately $21.22

Home Equity Line of Credit

Type	APR
Annual Adjustable Rate	5.00%^*
Semi-Annual Adjustable Rate	5.00%^**

*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.

Home Equity Closed End (2nd Mortgage)

Type	Term	Owner APR	Investor APR
Standard	3-Year Balloon	3.00%	3.00%
Standard	5-Year Balloon	3.50%	3.50%
Standard	7-year Fixed	4.00%	4.00%
Standard	12-year Fixed	N/A	4.25%
Standard	15-year Fixed	4.25%	N/A

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

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

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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.

Share Secured Loan

Term	APR	Maximum Amount
This is a three(3) year balloon payment loan that is fully secured by available shares on deposit with PHFCU. Up to ten (10) year amortization may be used. Two (2) different programs are offered.	5.00%	90% of available PHFCU shares, pledged as security
This is a three(3) year balloon payment loan that is fully secured by available shares on deposit with PHFCU. Up to ten (10) year amortization may be used. Two (2) different programs are offered.	6.00%	100% of available PHFCU shares, pledged as security

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

Based on $1000.00 to be secured on available shares, with a loan amount of $1000.00 at 6.00% - 35 monthly payments of $11.11 and one (1) balloon payment of approximately $770.74

Savings Certificate Secured Loan

Term	APR	Maximum Amount
Maturity Date of Certificate	2% above interest rate paid by Savings Certificate	90% of PHFCU Savings Certificate, pledged as security

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

Overdraft Protection

Min/Max Limit	APR	Monthly Payment
$300-$5,000	11.00%	$15 or $5 per every $100 or partial outstanding, whichever is greater

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We do Business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

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