*HELOC: APR = Annual Percentage Rate. You must pay certain fees to open the plan. These fees generally total between $1,000 and $5,000. There is no annual fee or prepayment penalty. The maximum APR is 18%, which is the ceiling. The minimum APR is 3%. Initial withdrawal is a minimum of $5,000. Kauai FCU membership is required, including a $1.00 membership fee and a $5.00 minimum deposit to keep the account open. You must carry insurance on the property securing the plan. If the property is located in a Special Flood Hazard Area, we will require you to obtain flood insurance. After the initial fixed term, the annual percentage rate will be based on the value of an index plus a margin. The index is the Prime Rate published in the Money Rates column of the Wall Street Journal (currently 6.75% as of 1/1/2026). Margins range from 0.50% to 3.50% for primary residences and vary for investment properties, based on creditworthiness; resulting variable rates currently range from 7.25% to 10.25% APR for primary residences. The annual percentage rate may vary quarterly, up to 18.00% or the maximum permitted by law, whichever is lower. All loans are subject to approval. Offer valid through June 30, 2026. Federally insured by NCUA. Equal Housing Lender.

First Mortgage, Home Equity Loan & Land Loan: Subject to credit approval, membership eligibility, and Kauai FCU underwriting guidelines. Combined Loan-to-Value (CLTV) limits apply. Property must be located in Hawaii. Rates, terms, and conditions subject to change without notice. Federally insured by NCUA. Equal Housing Lender.