Rates
Loan Rates
Rates effective: April 1, 2024 through April 30, 2024. Rates subject to change without notice. Some restrictions may apply.
| Type | Term | Annual Periodic Rate |
|---|---|---|
| VISA® Credit Card | N/A | 10.00% APR* |
| 100% Share Secured | 1 - 2 Years | 3.50% APR* |
| 3 - 5 Years | 3.90% APR* | |
| 6 - 7 Years | 5.00% APR* | |
| 50% Share Secured | 1 - 2 Years | 3.75% APR* |
| 3 - 5 Years | 4.50% APR* | |
| 6 - 7 Years | 7.00% APR* | |
| Personal Max: $25,000.00 per borrower |
1 Year | 6.00% APR* |
| 2 Years | 7.00% APR* | |
| 3 Years | 7.50% APR* | |
| 4 Years | 7.75% APR* | |
| 5 Years | 8.50% APR* | |
| 6 Years | 9.00% APR* | |
| Summer Loan Promo (Apply June 1 thru August 31, 2023) Max: $10,000.00 per borrower |
24 Months | 4.75% APR* |
| Education | 36 Months | 6.99% APR* |
| New Auto Max: $60,000.00 |
1 - 2 Years | 3.75% APR* |
| 3 Years | 4.25% APR* | |
| 4 Years | 4.75% APR* | |
| 5 Years | 5.25% APR* | |
| 6 Years | 5.75% APR* | |
| 7 Years | 6.50% APR* | |
| Used Auto Max: $40,000.00 Model Year: 2016 - Present |
1 - 2 Years | 4.00% APR* |
| 3 Years | 5.00% APR* | |
| 4 Years | 5.50% APR* | |
| 5 Years | 5.75% APR* | |
| 6 Years | 6.25% APR* | |
| Motorcycle Model Year: 2016 - Present |
1 - 4 Years | 7.50% APR* |
| 5 Years | 8.00% APR* | |
| Line of Credit (up to $5,000.00 with approval) |
N/A | 10.00% APR* |
| Cover Check Line of Credit (up to $500.00 with approval) |
N/A | 10.00% APR* |
| Home Equity Line of Credit (good 6/1/2023 - 05/31/2024) |
Call HMSA EFCU for current term. | 5.90% APR* |
Savings Rates
Rates effective: March 1, 2024. Dividend rates quoted are subject to change monthly. Contact the credit union for more information about applicable fees and terms on share accounts.
| Type | Dividend Rate | APY** |
|---|---|---|
| Share Savings | 0.20% | 0.20% APY** |
| Christmas Club Savings | 0.20% | 0.20% APY** |
| Share Draft Checking | 0.20% | 0.20% APY** |
Fee Schedule
| Type | Amount |
|---|---|
| Share/Christmas Account (Savings) | |
| Third Party Check | $1.00 |
| Photocopy of Check | $2.50 |
| Photocopy of Member Statement | $2.50 |
| Credit Union Stale Dated Check | $20.00 |
| Non-sufficient Funds | $25.00 |
| Stop Payment | $25.00 |
| Share Draft Account (Checking) | |
| Photocopy of Draft | $2.50 |
| Photocopy of Member Statement | $2.50 |
| Non-sufficient Funds | $25.00 |
| Stop Payment | $25.00 |
| ACH Stop Payment | $25.00 |
| Debit MasterCard | |
| ATM Transactions | FREE1 |
| Overdraft Fee | $25.00 |
| Credit Cards | |
| Credit Card Fees 2 | See VISA® Credit Card Disclosure |
| Online Banking | |
| Bill Payment Monthly Fee (Includes up to 10 bills. each bill thereafter is $0.30) |
$4.00 |
| Non-sufficient Funds | $25.00 |
| Stop Payment | $25.00 |
| Other Services | |
| Money Orders | $1.00 |
| Domestic Wire Transfers (Outgoing) | $25.00 |
| International Wire Transfers (Outgoing) | $40.00 |
| Records Research | $10.00/hour |
| Notary Please Call to make an appointment. |
FREE |
| Teller Talk | FREE |
1Surcharge may be applied at ATMs other than Bank of Hawaii BankMachines
2Credit Card Fees effective: July 1, 2021