**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 $816.48 based on a 30 Year Fixed Rate at 2.750% with 1.500 points and 2.965 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 $1,275.54 based on a 15 Year Fixed Rate at 1.875% with 2.000 points and 2.327% APR. 

The payments shown above do not include taxes and insurance premiums, actual payment obligations will be greater. Advertised rates are based on a purchase transaction and available only to qualified owner-occupants of residential real estate located in the State of Hawaii. Maximum loan amount is $822,375. Rates effective 10/15/21 and are subject to change without notice. Other restrictions may apply. Additional rates and terms available.