Hawaii Central Rate Summary

*Introductory Annual Percentage Rate (“APR”) will be effective for the first 36 months from the date your new equity line account is open (“Introductory Period”). After the Introductory Period, the APR may vary any time and will be equal to the U.S. Prime Rate published in the Money Rates section of the Wall Street Journal, plus a 1.00% margin for a Combined Loan to Value (“CLTV”) of 80% and less (2.00% margin for a CLTV of 80.01% - 85%). In no event will the APR be less than 4.50% or more than 18.00%. Offer subject to approval based on applicant’s creditworthiness and Hawaii Central Policy. Only residential property on Oahu is accepted as collateral. Hawaii Central will waive certain third-party closing costs (ranging an estimated $400-$600) such as Flood Determination, Title Insurance, Automated Valuation Model (“AVM”) and credit report. You may be required to pay other third-party closing cost for Appraisal Fee, Escrow, Title Insurance above $250, Trust Review, or other legal documentation, if applicable. Loans paid off and closed within 2-years from the loan recordation date will require reimbursement of all waived closing costs paid by Hawaii Central FCU. The minimum credit line is $10,000 with an initial draw of $10,000. The draw period is 15-years with a 30-year amortization period. You must carry insurance on the property securing the plan. If property is located in a Special Flood Hazard area, we will require you to obtain flood insurance. Hawaii Central Membership is required. Rate, terms and conditions are subject to change or cancellation without notice. Other terms and conditions may apply.