Hurry—your pre-approved offer ends January 31, 2021.
HawaiiUSA Federal Credit Union
You're Pre-Approved!*
For what matters to you
 
Dear %LOANENGINENAMEFIRST%,

You've made wise financial choices, and we've noticed. We're pleased to inform you that you are pre-approved for a special low rate on a HawaiiUSA loan, so you can continue to care for what matters to you.
 
Choose one of the offers below:
 
%IF in_string('New Auto Loan', $LOANENGINENEWAUTOLOANN )%
automobile
NEW AUTO LOAN1
%LOANENGINENEWAUTOLOANR% APR** for %LOANENGINENEWAUTOLOANT% months — Pre-Approved up to %LOANENGINENEWAUTOLOANA%
 
%/IF%%IF in_string('Pre Approved Personal Loan', $LOANENGINEPREAPPROVEDPERSONALLOANN )%
personal loan
PRE-APPROVED PERSONAL LOAN2
%LOANENGINEPREAPPROVEDPERSONALLOANR% APR** for %LOANENGINEPREAPPROVEDPERSONALLOANT% months — Pre-Approved up to %LOANENGINEPREAPPROVEDPERSONALLOANA%
 
%/IF%%IF in_string('Used Auto Loan', $LOANENGINEUSEDAUTOLOANN )%
car keys
USED AUTO LOAN3
%LOANENGINEUSEDAUTOLOANR% APR** for %LOANENGINEUSEDAUTOLOANT% months — Pre-Approved up to %LOANENGINEUSEDAUTOLOANA%
 
%/IF%%IF in_string('Life Matters Cash Back Visa Card', $LOANENGINELIFEMATTERSCASHBACKVISACARDN )%
credit card
LIFE MATTERS CASH BACK VISA CARD4
%LOANENGINELIFEMATTERSCASHBACKVISACARDR% APR** — Pre-Approved up to %LOANENGINELIFEMATTERSCASHBACKVISACARDA%
 
%/IF%
PLEASE NOTE: You have been pre-approved for your choice of one of the above offers. If you would like to take advantage of more than one offer, or would like to request more than your approved amount, please contact us. A full application may be required. See below for details.
%IF in_string('Y', $LOANENGINEONLINEBANKING)%
Accept your HawaiiUSA Federal Credit Union pre-approved loan today!
Tap: Click on "My Offers" in your HawaiiUSA Mobile Banking App or Online Banking at hawaiiusafcu.com
Click: Go to www.hawaiiusafcu.com/offers and enter your pre-approved loan code: %LOANENGINECOUPONCODE%
Chat: Call 808.534.4392 or toll-free 800.379.1300
HURRY! Offer ends January 31, 2021.
%/IF%%IF in_string('N', $LOANENGINEONLINEBANKING)%
Accept your HawaiiUSA Federal Credit Union pre-approved loan today!
It's easy—just go to www.hawaiiusafcu.com/offers from your computer or smart device and enter the following code to see your great offers!
Your HawaiiUSA Federal Credit Union pre-approved loan code is: %LOANENGINECOUPONCODE%
Once online, you can even customize your offer to better fit your budget! If you have questions, call us at 808.534.4392 or toll free 800.379.1300.
HURRY! Offer ends January 31, 2021.
%/IF%
 
© %HCTEMPLATEYEAR% HawaiiUSA Federal Credit Union. All rights reserved.
Federally Insured by NCUA    house  EQUAL HOUSING LENDER
1226 College Walk, Honolulu, HI 96817
 
You can choose to stop receiving "prescreened" offers of credit from this and other companies by calling toll-free 1-888-567-8688. See PRESCREEN & OPT-OUT NOTICE† below for more information about prescreened offers.
 
†PRESCREEN & OPT-OUT NOTICE
This "prescreened" offer of credit is based on information in your credit report indicating that you meet certain criteria for creditworthiness. This offer is not guaranteed if you do not meet our criteria (including providing acceptable property as collateral). If you do not want to receive prescreened offers of credit from this and other companies, call the consumer reporting agencies toll-free at 1-888-5OPT-OUT (1-888-567-8688); or visit the website at www.optoutprescreen.com or write:
Equifax Options, P.O. Box 740123, Atlanta, GA 30374-0123
TransUnion, Opt Out Request, P.O. Box 505, Woodlyn, PA 19094-0505
Experian Consumer Opt Out, P.O. Box 919, Allen, TX 75013
%IF in_string('New Auto Loan', $LOANENGINENEWAUTOLOANN )% %/IF%%IF in_string('Pre Approved Personal Loan', $LOANENGINEPREAPPROVEDPERSONALLOANN )% %/IF%%IF in_string('Used Auto Loan', $LOANENGINEUSEDAUTOLOANN )% %/IF%%IF in_string('Life Matters Cash Back Visa Card', $LOANENGINELIFEMATTERSCASHBACKVISACARDN )% %/IF%
 
* We used information that we obtained on you from a consumer reporting agency in connection with this "Pre-Approved" offer. You were selected to receive this offer because you satisfied certain criteria for creditworthiness, which we previously established. The offered credit may not be extended if, after you respond to this offer, we determine your credit status has adversely changed since pre-approval or if you fail to meet other creditworthiness criteria established prior to the offer. Not all applicants will qualify for the lowest rate. Membership eligibility is required. Other restrictions may apply.
** APR=Annual Percentage Rate
1 New Auto Loan: Offer based on loan term of 60 months. HawaiiUSA Federal Credit Union finances up to 125% of MSRP (new vehicles). The maximum interest rate for this offer is 18.00% APR, and the minimum approved loan amount is $5,000. This offer may also be withdrawn if the value of the vehicle you are purchasing exceeds 125% of Loan-to-Value. Not all applicants will qualify for the lowest rate. Payment example: A 60-month loan of $10,000 at 3.25% fixed APR will have 60 monthly payments of $18.08 per $1,000 borrowed. Rates current as of November 1, 2020, and are subject to change based on market conditions and borrower eligibility. Other rates and terms available. Subject to credit review. May not be combined with other offers.
2 Pre-Approved Personal Loan: Payment example: A 60-month loan of $5,000 at 7.25% fixed APR will have 60 monthly payments of $19.92 per $1,000 borrowed. Rates current as of November 1, 2020, and are subject to change based on market conditions and borrower eligibility. The minimum approved loan amount is $500. No part of the loan proceeds can be used to pay down or pay off any HawaiiUSA FCU debt. Only 1 (ONE) open Pre-Approved Personal Loan per member
3 Used Auto Loan: Offer based on loan term of 60 months. HawaiiUSA Federal Credit Union finances up to 115% of KBB retail of MSRP (used vehicles). The maximum interest rate for this offer is 18.00% APR, and the minimum approved loan amount is $2,500. This offer may also be withdrawn if the value of the vehicle you are purchasing exceeds 115% of Loan-to-Value. Not all applicants will qualify for the lowest rate. Payment example: A 60-month loan of $10,000 at 4.00% fixed APR will have 60 monthly payments of $18.42 per $1,000 borrowed. Rates current as of November 1, 2020, and are subject to change based on market conditions and borrower eligibility. Other rates and terms available. Subject to credit review. May not be combined with other offers.
4 Life Matters Cash Back VISA Card: Rates stated available on approved credit and may be different as determined by the individual creditworthiness of each applicant. You are pre-approved for a Life Matters Cash Back VISA Card with a limit of at least $1,000. The maximum APR for a Life Matters Cash Back VISA Card is 18.00%. Rates current as of November 1, 2020, and are subject to change based on market conditions and borrower eligibility. Only 1 (ONE) open Pre-Approved VISA Credit Card per member.
 
%IF in_string('Life Matters Cash Back Visa Card', $LOANENGINELIFEMATTERSCASHBACKVISACARDN )%
LIFE MATTERS CASH BACK VISA CARD APPLICATION AND SOLICITATION DISCLOSURE
 
 
Interest Rates and Interest Charges
 
 
Annual Percentage Rate (APR) for Purchases
 
 
8.00% to 16.90% based on your creditworthiness; the APR will vary with the market based on the Prime Rate.
 
 
 
Annual Percentage Rate (APR) for Balance Transfers
 
 
8.00% to 16.90% based on your creditworthiness; the APR will vary with the market based on the Prime Rate.
 
 
 
Annual Percentage Rate (APR) for Cash Advances
 
 
8.00% to 16.90% based on your creditworthiness; the APR will vary with the market based on the Prime Rate.
 
 
 
How to Avoid Paying Interest on Purchases
 
 
Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
 
 
 
For Credit Card Tips from the Consumer Financial Protection Bureau
 
 
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
 
 
Fees
 
 
Annual Fee
 
 
None
 
 
 
Transaction Fees
• Balance Transfer
• Cash Advance
• Foreign Transaction
 
 
 
None
None
None
 
 
 
Penalty Fees
•  Late Payment
•  Returned Payment
 
 
 
Up to $25
Up to $25
 
 
 
How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."
 
Effective Date. The information about the costs of the card described in this disclosure is accurate as of November 1, 2020. This information may have changed after that date. To find out what may have changed, contact HawaiiUSA Federal Credit Union.
 
%/IF%