**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 1.625 points and 3.484% 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 $1,321.84 based on a 15 Year Fixed Rate at 2.375% with 1.750 points and 2.801% 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 $970,800. Rates effective 1/21/22 and are subject to change without notice. Other restrictions may apply. Additional rates and terms available.