Rates

Current Rates

	
				Type
				Term
				APR*
			
				New Auto Loans
Ask about our Auto Loan rate match program!
				1-3 Year
				As low as 5.50%*
			
				4-Year
				As low as 5.75%*
			
				5-Year
				As low as 6.00%*
			
				6-Year
				As low as 6.25%*
			
				7-Year
				As low as 7.50%*
			
				Used Auto Loans
Ask about our Auto Loan rate match
				1-3 Year
				As low as 6.25%*
			
				4-Year
				As low as 6.50%*
			
				5-Year
				As low as 6.75%*
			
				6-Year
				As low as 7.00%*
			
				7-Year
				As low as 8.00%*
			
				Signature W/Collateral
				1-Year
				As low as 6.50%*
			
				2-Year
				As low as 7.00%*
			
				3-Year
				As low as 7.50%*
			
				4-Year
				As low as 8.00%*
			
				5-Year
				As low as 8.50%*
			
				Personal Loans
				1-Year
				As low as 7.25%*
			
				2-Year
				As low as 7.75%*
			
				3-Year
				As low as 8.25%*
			
				4-Year
				As low as 8.75%*
			
				5-Year
				As low as 9.25%*
			
				HTIFCU Quick Cash Loan Program
				1-6 Month
				Call us for more information
			
				Share Secured Loans
				1-10 Year
				As low as 2.60%*
			
				Line of Credit/Overdraft
				
				As low as 10.00%*
			
				Home Equity
HELOC
				15-Year Fixed
				11.00%**
			
				15-Year Variable
				8.50%**
			
				Second Mortgage
				5-Year Fixed
				9.00%**
			
				10-Year Fixed
				10.00%**
			
				15-Year Fixed
				11.00%**

Share Certificate

	
				Share Type
				Dividend Rate/Annual Percentage Yield (APY)
				Minimum Opening Deposit
				Minimum Balance Required to Earn Stated APY
				Dividends Compounded/ Credited
			
				Share Certificates
				
				5 - Months
				4.5%*
				$5,000
				$5,000
				Quarterly (New Monies)
			
				2-Year
				0.75%
				$2,500
				$2,500
				Quarterly
			
				3-Year
				0.80%
				$2,500
				$2,500
				Quarterly
			
				4-Year
				0.85%
				$2,500
				$2,500
				Quarterly
			
				5-Year
				1.00%
				$2,500
				$2,500
				Quarterly

IRA Certificate

	
				Term
				Dividend Rate/Annual Percentage Yield (APY)
				Minimum Opening Deposit
				Minimum Balance Required to Earn Stated (APY)
				Dividends Compounded/Credited
			
				1-Year
				2.50%
				$5,000*
				$5,000
				Quarterly (New Monies)
			
				2-Year
				0.75%
				$1,000
				$1,000
				Quarterly
			
				3-Year
				0.80%
				$1,000
				$1,000
				Quarterly
			
				4-Year
				0.85%
				$1,000
				$1,000
				Quarterly
			
				5-Year
				1.00%
				$1,000
				$1,000
				Quarterly

Credit Builder Certificate

	
				Term
				Dividend Rate/Annual Percentage Yield (APY)
				Minimum Opening Deposit
				Minimum Balance Required to Earn Stated (APY)
				Dividends Compounded/Credited
			
				1-5 Year
				2.00%
				$1,000
				$1,000
				Quarterly

Share Accounts

	
		
				Account Type
				Dividend Rate/Annual Percentage Yield (APY)
				Minimum Opening Deposit
				Minimum Balance Required to Earn Stated (APY)
				Dividends Compounded/Credited
			

		
				Daily Shares Account
				0.10%
				$25.00
				$25.00
				Quarterly
			

				2nd Daily Shares
				0.10%
				$-
				$-
				Quarterly
			

				Christmas Club Account
				0.15%
				$20.00
				$-
				Quarterly
			

				Vacation Club Account
				0.15%
				$20.00
				$-
				Monthly
			

				Keiki Daily Shares
				0.10%
				$-
				$-
				Quarterly
			

				IRA Passbook Share Accounts (Traditional, Roth & Education)
				0.25%
				$50.00
				$50.00
				Quarterly
			

	

Share Draft Accounts

	
		
				Account Type
				Dividend Rate/Annual Percentage Yield (APY)
				Minimum Opening Deposit
				Minimum Balance Required to Earn Stated (APY)
				Dividends Compounded/Credited
			

		
				Share Draft Checking (Dividend Bearing)
				0.05%
				$300
				$300
				Monthly
			

				Share Draft Checking (Non-Dividend Bearing)
				0.00%
				$-
				$-
				N/A
			

	