NMLS #421550

The Annual Percentage Rate (APR) is based on a loan example of $50,000, fixed for 24 months from account opening, and then adjusted to variable based on the 1-year Treasury bill plus a margin of 2.75%. The current fully indexed variable APR is 5.00% as of 7/1/21. The maximum rate increase after the initial 24 months is 2.00%. Thereafter, adjustments may occur on the anniversary date each year with a maximum of 1.00% per adjustment. e.Statements as well as a minimum loan amount of $10,000 are required. Property that will secure your home equity account must be owner-occupied and located in the State of Hawai'i. Payment example: Loan amount of $10,000 based on a 12-year repayment period at 2.99% for the first 24 months would have monthly principal and interest payments of $82.75. Additional terms and conditions may apply. Offer, terms, and rate subject to change without notice. Required documents subject to change based on individual application. All loans are subject to credit approval. Consult your tax advisor regarding the application of State and Federal tax credits.