"This is the GREATEST credit union."

¹APR= Annual Percentage Rate. Example: ¹A 30 year mortgage at 360 payments for the permanent phase with an annual percentage rate of 6.500% (interest rate of 6.500%). The construction phase would then have an interest only rate of 8.000%, which is equal to a margin of 1.5% over the permanent interest rate of 6.500%. The APR would be 8.000%. Subject to credit approval. Rate may vary based on loan term.

SAFE Act Information
On July 28, 2010 the Nation Credit Union Administration (NCUA) and other Federal Agencies published a final rule to implement the federal registration requirements of the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (S.A.F.E. Act). The registration requirements apply to all employees acting in the capacity of a Mortgage Loan Originator (MLO). The S.A.F.E. Act requires all MLOs to register with the Nationwide Mortgage Licensing System and Registry (NMLS). Upon completing this registration, each MLO is provided with a Unique Identifier number from the NMLS. An MLO must provide this Unique Identifier number to each mortgage loan applicant upon request and prior to the employee acting as an MLO.

Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawai’i. A minimum opening balance of $50.00 is required to open a Savings Account.

Rates:

Member will be responsible for all expenses incurred to secure the loan. This includes an initial deposit of $800.00 to defray expenses for:

• Appraisal fee(s)
• Residential Mortgage Credit Report(s)
• Inspection fee(s)
• Flood Certification fee(s)
• Other incidental expenses that may be incurred to secure the loan.

Note: Member will pay before final closing, any outstanding expenses exceeding the $800.00 deposit. Member will be refunded any balance of the $800.00 initial deposit at first disbursement, or any balance can be applied to escrow costs.