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Big Island FCU
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Current Rates

Loan Rates

New Autos**
Effective Date: Saturday, May 18th, 2024
100% financing available
TermAPR*
Up to 36 Months As low as 5.50%
48 Months As low as 6.00%
60 Months As low as 6.50%
72 Months As low as 7.25%
84 Months As low as 8.25%
*APR = ANNUAL PERCENTAGE RATE. The rate you receive will depend on certain credit-worthiness criteria and loan term. Not all applicants will qualify for the lowest rate. Rates, terms, and, conditions are subject to change without notice. Members must qualify under Big Island FCU’s membership and lending guidelines. Contact any Big Island FCU branch for more information.
**.25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.

Pre-Owned Autos**
Effective Date: Saturday, May 18th, 2024
Autos up to 5 years old
TermAPR*
Up to 36 Months As low as 6.75%
48 Months As low as 7.25%
60 Months As low as 7.75%
72 Months As low as 8.50%
78 Months As low as 9.50%
*APR = ANNUAL PERCENTAGE RATE. The rate you receive will depend on certain credit-worthiness criteria and loan term. Not all applicants will qualify for the lowest rate. Rates, terms, and, conditions are subject to change without notice. Members must qualify under Big Island FCU’s membership and lending guidelines. Contact any Big Island FCU branch for more information.
**.25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.

Personal Loans**
Effective Date: Saturday, May 18th, 2024
Up to $25,000
TermAPR*
Up to 36 Months As low as 8.25%
48 Months As low as 9.25%
60 Months As low as 9.50%
*APR = ANNUAL PERCENTAGE RATE. The rate you receive will depend on certain credit-worthiness criteria and loan term. Not all applicants will qualify for the lowest rate. Rates, terms, and, conditions are subject to change without notice. Members must qualify under Big Island FCU’s membership and lending guidelines. Contact any Big Island FCU branch for more information.
**.25% rate reduction if loan is set up on Payroll Deduction, Transfer File or Automatic Payments at the time of loan closing.

Secured Loans
Effective Date: Saturday, May 18th, 2024
Types of Secured Loans
Loans Secured by Shares
The Annual Percentage Rate (APR) will be the dividend rate being paid on Regular Shares (index) on the date of the advance plus a margin of 2%. Thereafter, the rates are subject to change on the first day of each month to reflect any change in the index.
Loans Secured by Term Share Accounts (Certificates)
The Annual Percentage Rate (APR) will be the dividend rate being paid on the Share Certificate offered as security plus 2%.

Personal Line of Credit
Effective Date: Saturday, May 18th, 2024
NameAPR*
Personal Line of Credit As low as 9.50%

Overdraft Protection
Effective Date: Saturday, May 18th, 2024
NameAPR*
Overdraft Protection As low as 10.00%

Home Equity Line of Credit
Effective Date: Saturday, May 18th, 2024
Please call us for current rates.

VISA Credit Cards

Classic
Annual Percentage Rate (APR) for Purchases 15.00%
Other APRs Cash Advance APR  15.0%
Balance Transfer APR  15.0%
Grace Period for Purchases 25 Days
Method of Computing the Balance for Purchases Average Daily Balance (including new purchases)
Annual Fee None
Minimum Finance Charge None
Transaction Fee for Purchases None
Foreign Transaction Fee 1% of transaction amount
Late Payment Fee $15.00*
*If ten (10) or more days late


 

Gold
Annual Percentage Rate (APR) for Purchases 9.50%
Other APRs Cash Advance APR  9.50%
Balance Transfer APR  9.50%
Grace Period for Purchases 25 Days
Method of Computing the Balance for Purchases Average Daily Balance (including new purchases)
Annual Fee None
Minimum Finance Charge None
Transaction Fee for Purchases None
Foreign Transaction Fee 1% of transaction amount
Late Payment Fee $15.00*
*If ten (10) or more days late

*APR = Annual Percentage Rate. Rates are subject to change without notice.