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    March 7, 2021
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Imagine what's Psible Local lines of credit, designed for the island. Neighbors serving neighbors since 1936, we help our members imagine what's possible now and for the future. Introducing flexible, home equity Lines of credit at up to 80% of your loan to value, with maximum credit lines of $500,000 and no closing costs". With every member we serve, our community grows stronger. That's the power of a community credit union. Low Introductory Rates 1.00 2.75% 3.75% 4.50kPR 5.00R APR" APR" APR 1-year Intro Rate 3-year Intro Rate 5-year Intro Rate 7-year Intro Rate Current Variable Rate Options for higher loan to value financing available. Certain terms and restrictions apply. Contact us for more details about higher LTV financing. HAWAII COMMUNITY Apply online at hicommfcu.com FEDERAL CREDIT UNION on call 930-770o! COUAL HOUSING LENDER INSURED BY NCUA *An inital draw of at least 525,000 is required. The redit union walves ordinary cdosing costs for certain thind party fees (eg. neal estate evaluation, recordation, documentation, stle search, escrow, flood determination, or appraisal cost) esimated at 5900 to 52,500. You mill be required to pay the cost of extraondinary items like trust reviews, temite inspections or other legal documentation * APR-Annual Percentage Rate. Minimum credit line is $10,000. The maximum ceditline is $500,000. Promotion valid for applications receved between february 16, 2021 and March 31, 2021 and may change at any time without notce. An intial draw of at least $25.000 is required Otherwise the applicable Curent Variable Index Rate will apply. Ater the introductory period expires, your ane will vary, and the applicable Cument Variable Index Rate will apply. Ths offer applies to new Home Equity Lines of Credit. Refinancing of existing HCFCU Home Equity Lines of Credit are net alowed.Hyou elect the 1 year, 3 year,5 yearor 7year introdudory rate, itwill remainiseflectuntilexpiation of the introductory ate period. Only improved residental propety in Hawai is accepted as collateral up to 80% loas to value. Property must be feesimple and owner occupied. Poperty insurance is required. There is no transation or other activity charges. Membershipin the credit union is required, Rutes, berms and conditions are subjedto change without notice Otherterms and condiions apply Speak to a ceditunion representative for more information *** The Cument Variable Index Rate is based on the Weekly Auction High of 3monthUS.T8l plusamarginof 350%, subject to a flocor of 5.00%. The Current Varable inder Rateshown scament as of January 1, 2021 and will not eceed 15.00% APR Imagine what's Psible Local lines of credit, designed for the island. Neighbors serving neighbors since 1936, we help our members imagine what's possible now and for the future. Introducing flexible, home equity Lines of credit at up to 80% of your loan to value, with maximum credit lines of $500,000 and no closing costs". With every member we serve, our community grows stronger. That's the power of a community credit union. Low Introductory Rates 1.00 2.75% 3.75% 4.50kPR 5.00R APR" APR" APR 1-year Intro Rate 3-year Intro Rate 5-year Intro Rate 7-year Intro Rate Current Variable Rate Options for higher loan to value financing available. Certain terms and restrictions apply. Contact us for more details about higher LTV financing. HAWAII COMMUNITY Apply online at hicommfcu.com FEDERAL CREDIT UNION on call 930-770o! COUAL HOUSING LENDER INSURED BY NCUA *An inital draw of at least 525,000 is required. The redit union walves ordinary cdosing costs for certain thind party fees (eg. neal estate evaluation, recordation, documentation, stle search, escrow, flood determination, or appraisal cost) esimated at 5900 to 52,500. You mill be required to pay the cost of extraondinary items like trust reviews, temite inspections or other legal documentation * APR-Annual Percentage Rate. Minimum credit line is $10,000. The maximum ceditline is $500,000. Promotion valid for applications receved between february 16, 2021 and March 31, 2021 and may change at any time without notce. An intial draw of at least $25.000 is required Otherwise the applicable Curent Variable Index Rate will apply. Ater the introductory period expires, your ane will vary, and the applicable Cument Variable Index Rate will apply. Ths offer applies to new Home Equity Lines of Credit. Refinancing of existing HCFCU Home Equity Lines of Credit are net alowed.Hyou elect the 1 year, 3 year,5 yearor 7year introdudory rate, itwill remainiseflectuntilexpiation of the introductory ate period. Only improved residental propety in Hawai is accepted as collateral up to 80% loas to value. Property must be feesimple and owner occupied. Poperty insurance is required. There is no transation or other activity charges. Membershipin the credit union is required, Rutes, berms and conditions are subjedto change without notice Otherterms and condiions apply Speak to a ceditunion representative for more information *** The Cument Variable Index Rate is based on the Weekly Auction High of 3monthUS.T8l plusamarginof 350%, subject to a flocor of 5.00%. The Current Varable inder Rateshown scament as of January 1, 2021 and will not eceed 15.00% APR