Personal Loan
**Annual Percentage Rate. You must apply at Mānoa Marketplace Branch. 12-month maximum term. Automatic payment and new or existing UHFCU Checking account required to qualify for special rate. 1.99% rate is the lowest rate available. Alternatively, applicants with credit scores between 570 and 699 may receive a 1.00% discount off their qualifying rate. $25,000 maximum loan amount. Offer begins 3/9/20 and ends 4/11/20. Loan must fund by 4/11/20. Rate may vary depending on each individual’s credit history and underwriting factors. Payment example: Loan amount of $5,000 at 1.99% for 12 months would have a monthly principal and interest payment of $421.17. Rates, programs, terms, and conditions are subject to change at any time without notice. Certain restrictions apply.

HELOC
***You must apply at Mānoa Marketplace Branch. The Annual Percentage Rate (APR) is fixed at 1.75% 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 4.75% as of 3/3/20. 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: Must apply for a new UHFCU home equity line of credit between 3/9/20 and 4/11/20, and fund by 5/1/20. 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.