1. The APR will vary with the prime rate as published in the Wall Street Journal (index), plus a margin determined by your credit score. APR includes a 0.25 percentage point discount for automatic payments from a Hawaii State FCU checking account. Without automatic payment, the APR will be 0.25 percentage point higher and may result in higher monthly payments. The APR will never exceed the maximum permitted by law (currently 18.00%). Must be a Hawaii resident. Rates are subject to change without notice.
Rates effective 03/01/2026