The Pearl | 2022 1st Quarter Newsletter
The Pearl | 2022 1st Quarter Newsletter | Issue 24
5-Year Fixed HELOCs, Improve Account Security, Retirement Prep, And More!
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HOME EQUITY LINES OF CREDIT
Up to 5 Year intro rates
IMPROVE ACCOUNT SECURITY WITH TRANSACTION ALERTS
SNAPDEPOSIT
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MULTI-FACTOR AUTHENTICATION & SECURING YOU
MOMI’S MONEY
Have you started your child’s savings?
– HOW TO PREPARE FOR TAX SEASON
– RETIREMENT PREPARATION MISTAKES…
– TAKING CHARGE OF YOUR FINANCIAL LIFE
YOUR ACCOUNT SECURITY, FRAUD, & REGULATION E
THE PEARL 1st Quarter 2022
Promotions and offers may end or change at any time.
HELOC DISCLAIMER
*LTV – Loan to Value. APR- Annual Percentage Rate. Total HELOC loan amount received, rate, and terms are subject to credit approval. The offer is valid for qualifying applications to new Home Equity Lines of Credit. Only improved owner-occupant properties on Oahu accepted as collateral. The minimum credit line is $5,000. The maximum credit line for an 80% LTV Fee-Simple Owner-Occupied Property, the lesser of $300,000 or 80% LTV minus the balance of your existing mortgage. Refinancing of existing Pearl Hawaii Federal Credit Union Home Equity Lines of Credit not allowed. Membership required.
The borrower must maintain fire, hurricane, and flood (if in a flood hazard zone) insurance on the property. PHFCU must be a loss payee on your Home Insurance policy. Other conditions and restrictions may apply. Any existing junior liens from financial institutions other than PHFCU must be paid off and may be paid by an initial draw from the new Home Equity Line of Credit account.
There are no points, pre-payment penalties, or annual fees. Closing Cost Fees that may be incurred: title insurance fee, document preparation fee, SRAappraisal fee, appraisal review fee, trust review fee, recording fees, application fee, or flood verification fee. Closing cost fees incurred will be dependent on the amount borrowed and will vary based on the member’s situation and are estimated between $200 to $5000. Visit any of our branches for more information. May not be used for a business loan. The borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice.
INTRODUCTORY RATE
The Introductory Annual Percentage Rate (APR) of 1.75% will be effective for the first 24 months, 2.00% for the first 36 months, or 2.75% for the first 60 months of the Introductory Period. After the Introductory Period, the rate will adjust to the standard annual-adjustable interest rate in accordance with your Home Equity Credit Agreement. For the introductory rate, the initial advance must be $5,000 or more. The minimum payment for 24, 36, and 60-month term fixed intro rates are $100.00.
CURRENT RATE
The current non-introductory fully indexed variable APR is 4.00% for 80% LTV; the rate is applicable from 4/1/2022 through 3/31/2023. The Current Variable Index Rate will not exceed 18% APR. The minimum payment for the current variable annual rate is $100.00. For the Current Variable Annual Rate, the initial advance must be $1000 or more.
NMLS# 472169. Equal Housing Lender. Federally insured by NCUA.
THE PEARL 1st Quarter 2022
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Rates effective as of: March 18, 2025
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