¹This loan has a variable interest rate that is based on a publicly available index, the Prime, as published in The Wall Street Journal. Your rate may change each month and will be calculated by adding the Prime to a margin between 0.25% and 5.75%. Rates and terms based on credit criteria and are all subject to change.
²APR = Annual Percentage Rate. Rates and terms based on credit criteria and are all subject to change. Assuming a $10,000 loan amount, a 6.12% APR, and a 10-year term, you would make 54 (48 months in school + 6 month grace period) monthly payments of $25 while enrolled in school followed by 120 monthly payments of $129.62 to repay this loan. If the APR is 8.86% and the loan amount remains $10,000 you would make 54 monthly payments of $25 while you are enrolled in school followed by 120 monthly payments of $168.69 to repay this loan.
³Ebersole, John. "Why a College Degree?" Forbes. Forbes Magazine, 08 Aug. 2012. Web. 14 Jan. 2017. (Link)

Subject to credit approval. Rate may vary based on individual creditworthiness and other factors set forth by Lendkey.
Membership with the Credit Union is required and open to all who live, work, worship, attend school, volunteer or participate in associations headquartered on the island of Hawaii. A non-refundable $1.00 fee is required to establish membership. A minimum opening balance of $50.00 is required to open a savings account.