**A $200,000 mortgage loan secured by an owner-occupied dwelling, with 20% down payment, will result in 360 principal and interest monthly payments of $870.41 based on a 30 Year Fixed Rate at 3.250% with 1.500 points and 3.472% APR.

**+A $200,000 mortgage loan secured by an owner-occupied dwelling, with 20% down payment, will result in 180 principal and interest monthly payments of $1,345.38 based on a 15 Year Fixed Rate at 2.625% with 2.000 points and 3.091% APR. 

The payments shown above do not include taxes and insurance premiums, actual payment obligations will be greater. Advertised rates available only to qualified owner-occupants of residential real estate located in the State of Hawaii. Maximum loan amount is $765,600. Rates effective 01/17/20 and are subject to change without notice. Other restrictions may apply. Additional rates and terms available.