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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
Approximate Term+ New Auto APR* Used Auto APR**
Up to 2 years 5.00% 5.50%
Up to 3 years 5.00% 5.50%
Up to 4 years 5.00% 5.50%
Up to 5 years 5.25% 5.50%
Up to 6 years 5.75% 6.50%
Up to 7 years 6.25%*** N/A
Up to 8 years 6.25%*** N/A

+The approximate term is provided to disclose the term we use to calculate payments for the Credit Union's open-end loan products.

*Based upon the loan rate tier received.  Financed amounts will range from 95% to 135% of MSRP.

** Hawaii registered vehicles only -- Based upon the loan rate tier received.  Financed amounts will range from 95% to 135% of most recent Kelly Bluebook Retail Value to include value of accessories and mileage.

***Minimum loan amount is $25,000.

 

Motorcycle Loan
Approximate Term + APR
Up to 2 years* 6.50%
Up to 3 years* 7.00%
Up to 4 years* 7.50%
Up to 5 years* 8.00%

+The approximate term is provided to disclose the term we use to calculate payments for the Credit Union's open-end loan products.

*Up to 100% of purchase price not to exceed $25,000 for current model year or newer Motorcycles, and up to 100% of Kelly Bluebook Retail (KBBR) value not to exceed $25,000 for used Motorcycles.

*Only Hawaii registered motorcycles will be accepted for used motorcycles loans.

 
50/50 Loan
Approximate Term + APR
Up to 1 years* 6.00%
Up to 2 years* 6.50%
Up to 3 years* 7.00%
+The approximate term is provided to disclose the term we use to calculate payments for the Credit Union's open-end loan products.
 
Personal/Partially Auto Secured Loan
Approximate Term+
APR
Up to 1 years*
 8.00%
Up to 2 years*
8.50%
Up to 3 years*
9.50%
Up to 4 years*
10.50%
Up to 5 years*
11.50%
+The approximate term is provided to disclose the term we use to calculate payments for the Credit Union's open-end loan products.
 
Home Equity Line of Credit
Type APR
Annual Adjustable Rate 6.00%*
Semi-Annual Adjustable Rate 6.00%**
*Annual Adjustable Rate applicable 4/01/2008 through 3/31/2009. 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 04/01/2008 through 09/30/2008. 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 4.75% 5.00%
Equity Plus
3-Year Balloon
6.25%
5.75%
Standard
5-Year Balloon
5.00%
5.25%
Equity Plus
5-Year Balloon
6.75%
6.25%
Standard
Up to 7-year fixed
6.00%
7.00%
Standard
Up to 12-year fixed
N/A
6.75%
Equity Plus
Up to 12-year fixed
N/A
7.75%
Standard
Up to 15-year fixed
6.50%
N/A
Equity Plus
Up to 15-year fixed
8.25%
N/A

Examples of $10,000 "A" Tier Balloon and Fixed Rate loans

4.75% 3 Yr. Balloon Pmt./Owner - 35 monthly payments of $77.79 and one (1) Balloon Payment of $8601.88

5.00% 3 Yr. Balloon Pmt./Investment - 35 monthly payments of $79.09 and one (1) Balloon Payment of $8,627.97

6.25% 3 Yr. Balloon Pmt./Owner/Equity Plus - 35 monthly payments of $85.75 and one (1) Balloon Payment of $8,756.18

5.75% 3 Yr. Balloon Pmt/Investment/Equity Plus - 35 monthly payments of $83.05 and one (1) Balloon Payment of $8,705.96

5.00% 5 Yr. Balloon Pmt/Owner - 59 monthly payments of $79.09 and one (1) Balloon Payment of $7,533.49

5.25% 5 Yr. Balloon Pmt/Investment - 59 monthly payments of $80.40 and one (1) Balloon Payment of $7,571.41

6.75% 5 Yr. Balloon Pmt/Owner/Equity Plus - 59 monthly payments of $88.50 and one (1) Balloon Payment of $7,793.88

6.25% 5 Yr. Balloon Pmt/Investment/Equity Plus - 59 monthly payments of $85.75 and one (1) Balloon Payment of $7,721.09

6.00% 7 Yr. Fixed Rate/Owner - 83 monthly payments of $146.10 and one (1) irregular payment of $145.29

7.00% 7 Yr. Fixed Rate/Investment - 83 monthly payments of $150.94 and one (1) irregular payment of $150.39

6.75% 12 Yr. Fixed Rate/Investment - 143 monthly payments of $101.52 and one (1) irregular payment of $100.79

7.75% 12 Yr. Fixed Rate/Investment/Equity Plus - 143 monthly payments of $106.89 and one (1) irregular payment of $105.95

6.50% 15 Yr. Fixed Rate/Owner - 179 monthly payments of $87.12 and one (1) irregular payment of $85.73

8.25% 15 Yr. Fixed Rate/Owner/Equity Plus - 179 monthly payments of $97.03 and one (1) irregular payment of $93.75

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
 
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
 
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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