TIMES FCU

Here to Serve You
Monday - Friday
9am to 4pm
Located at
3375 Koapaka Street
Suite D-106
Honolulu, HI 96819
(808) 831-0986
Fax (808) 831-3305

HOLIDAY SCHEDULE
Office will be closing on the following holidays:
May 31st - Memorial Day
July 5th - Independence Day
Sept 6th - Labor Day
Oct 11th - Columbus Day

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Times Federal Credit Union, or Times, has provided external links throughout our website in order to provide members with useful information. These linked sites are not under the control of Times, and Times is not responsible for their content. These external links are located on another server. Times does not guarantee information, products, services, or recommendations provided at any of the external sites to which we have provided links. The third party sites you may visit may have privacy policies different from that of Times and may provide less security than the Times website. Times disclaims all liability with regard to your access to such linked websites. Thank you for visiting Times Federal Credit Union's website.

RATES

Times FCU offers competitive rates on a wide variety of loans and savings accounts. Start taking advantage of our great rates today!

Loan Rates: Effective February 1, 2009. Rates are subject to change without notice.
Times FCU offers affordable loans for a variety of purposes. If the category you're looking for is not listed, Contact our office so we can help you determine the most affordable way to finance your purchase.

For a limited time only, call us for information on our loan specials for new/used autos and signature loans.

Loan Type	Rate	APR*	Maximum Term
New/Used Vehicles	4.75%	4.75%	1 to 4 years
New/Used Vehicles	5.75%	5.75%	5 years
New/Used Vehicles	6.75%	6.75%	6 years
New/Used Vehicles	8.00%	8.00%	7 years
Auto Loan Rates are based on vehicles not older than 4 years. Auto Rates with an asterisk(*) deduct additional 0.25% with Direct Deposit 7 year loan - for vehicles financed over $30,000.00
Signature Loans
Maximum for homeowners $15,000.00
Maximum for non-homeowners $6,000.00
1 year	9.75%	9.75%
2 years	10.50%	10.50%
3 years	11.25%	11.25%
4 years	12.00%	12.00%
5 years	12.75%	12.75%
6 years	13.00%	13.00%
Special Rates
Signature Rates listed below - New Money Only
Minimum $1000.00
(For Limited Time Only!)
1 year	7.75%	7.75%
2 year	7.75%	7.75%
3 year	7.75%	7.75%
4 year	9.75%	9.75%
5 year	10.75%	10.75%
Share Draft Line of Credit	14.50%	14.50%
Savings Secured Loans
Savings Secured (100%) (savings rate plus 3.00%)	3.50%	3.50%	up to 12 years
Savings Secured (50%)	8.50%	8.50%	up to 5 years

All Loan Specials are identified with an asterisk (*) (Limited Time Only!)
Share Secured Loans - Dividend Rates plus 3.00%
LATE CHARGES: You agree to pay a late charge of 5% of your payment if any advance is past due 5 days or more.
The minimum late charge fee is $10.00
The rates are effective as of the date listed and may change anytime as determined by the Board of Directors.

*APR = Annual Percentage Rate

Savings Rates Effective July 1, 2009

Account Type	Rate	APY*	Minimum
Shares (Savings)	0.50%	0.50%	$100.00
Shares (Savings)	1.00%	1.01%	$10,000.00
Shares (Savings)	1.20%	1.20%	$50,000.00
Shares (Savings)	1.40%	1.41%	$100,000.00
Share Draft (Checking)	N/A	N/A	N/A
Christmas Savings	1.25%	1.26%	N/A

Certificate Rates Effective January 1, 2010

Account Term	Rate	APY*	Minimum
6 month Certificate	1.50%	1.51%	$2,500.00
1 year Certificate	1.75%	1.76%	$1,000.00
2 year Certificate	1.95%	1.97%	$1,000.00
A penalty is imposed for early withdrawal

*APY = Annual Percentage Yield

All rates are subject to change.
If you have any questions or need additional information, please call (808) 831-0986, or email us.