Rates > PERSONAL > Share Certificate Secured

Hawaii Central Rate Summary

Share Certificate Secured Loan

When you use your share certificate at the credit union as collateral on a loan, your interest rate is lower and your shares continue to earn dividends.

Rate Effective as of July 28, 2021

TERM
APR*
Example Payment per $1,000
1
YEAR
1.70%APR*
12 Estimated Monthly Payments of $84.11

*APR: Annual Percentage Rate. 1.45% APR above the current share certificate rate, adjustable monthly. Based on a 12-month certificate of deposit, payment example based off a loan of $1,000 with a 1.70% APR will have 12 payments of $84.11. Based on a 24-month certificate of deposit, payment example based off a loan of $1,000 with a 1.775% APR will have 24 payments of $42.45. Maximum term of 2 year. Term length may vary based on time left on certificate. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.

2
YEARS
1.775%APR*
24 Estimated Monthly Payments of $42.45

*APR: Annual Percentage Rate. 1.45% APR above the current share certificate rate, adjustable monthly. Based on a 12-month certificate of deposit, payment example based off a loan of $1,000 with a 1.70% APR will have 12 payments of $84.11. Based on a 24-month certificate of deposit, payment example based off a loan of $1,000 with a 1.775% APR will have 24 payments of $42.45. Maximum term of 2 year. Term length may vary based on time left on certificate. Please call our Loan Department at (808) 536-0833 for complete details. Rate subject to change without notice.