* The Annual Percentage Rate (APR) is fixed at 2.00% APR for 24 months from account opening and then adjusted to variable, based on the Prime Rate published in The Wall Street Journal, plus a margin. The current fully indexed variable APR is 4.50% as of 7/1/2017. Loan-to-Value (LTV) is the percentage of the property's appraised value that is mortgaged. Maximum LTV for this offer is 80% LTV. 80% LTV is Prime + 0.50% with a floor rate of 4.50%. After the initial adjustment, the maximum increase per year is 1.00% (rate adjusts January 1st and July 1st) and the maximum rate is 18.00%. Property that will secure your home equity account must be owner-occupied and located in the State of Hawai'i. You must also maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property that secures the home equity account. To qualify for offer: 1) Must apply for a new UHFCU home equity line of credit between July 1, 2017 and September 30, 2017, and fund by October 31, 2017; 2) Must advance a minimum of $25,000 and maintain a minimum balance greater than or equal to $20,000 for 6 months; 3) Must have a new or existing UHFCU Checking account; and 4) Must be enrolled in the UHFCU e.Statement service. Refinancing of existing UHFCU mortgages, home equity loans or lines-of-credit, credit card, or other loans and lines-of-credit do not qualify for the offer. Additional terms and conditions may apply. Offer, terms, and rate subject to change without notice.

** No closing costs: Standard fees and charges will be waived for owner occupants by the Lender and not charged to the borrower if the initial draw under the plan is at least $25,000.00 and a loan balance of at least $20,000.00 is maintained for the entire first six months of the plan. If there is no initial draw or the initial draw is less than $25,000.00, or if the loan balance is less than $20,000.00 at any time during the first six months of the plan, all fees and charges paid to third parties incurred in the establishment of the plan will be charged to the borrower's account. Standard fees do not include the following, ALTA policy fee, appraisal, trust review, or other legal document preparation fees. If needed, applicant will pay these costs, which are estimated at $300 - $900 (ALTA policy fee), $300 - $750 (appraisal), and $100 - $125 (trust review fee).

*** Loan-to-Value (LTV) is the percentage of the property's appraised value that is mortgaged. The Annual Percentage Rate (APR) is variable and based on the Prime Rate published in The Wall Street Journal, plus a margin. Rates vary by LTV and credit limit. 70% LTV is Prime + 0.50% with a floor rate of 4.50%. 80% LTV is Prime + 0.50% with a floor rate of 5.50%. 90% LTV is Prime + 1.00% with a floor rate of 6.50%. The maximum increase per year is 1.00% (rate adjusts January 1st and July 1st) and the maximum rate is 18.00%. Additional terms and conditions may apply. Owner-occupant only loan. Call us for terms and conditions regarding non-owner occupant loan options. Only properties in the State of Hawai`i are eligible.

**** Consult your tax advisor.