| New Autos** |
| Effective Date: Thursday, May 1st, 2025 |
| 100% financing available |
| Term | APR* |
| 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: Thursday, May 1st, 2025 |
| Autos up to 5 years old |
| Term | APR* |
| 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: Thursday, May 1st, 2025 |
| Up to $25,000 |
| Term | APR* |
| 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: Thursday, May 1st, 2025 |
| 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: Thursday, May 1st, 2025 |
| Name | APR* |
| Personal Line of Credit |
As low as 9.50% |
| Overdraft Protection |
| Effective Date: Thursday, May 1st, 2025 |
| Name | APR* |
| Overdraft Protection |
As low as 10.00% |
| Home Equity Line of Credit |
| Effective Date: Thursday, May 1st, 2025 |
| Please call us for current rates. |
