Page 7 - MidWeek Honolulu - Oct 5, 2022

OCTOBER 5, 2022 7
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*Local banks and credit unions include top-4 largest Hawaii banks in terms of asset size. Google ratings accurate as of 9/13/22 and are subject to change. Ratings shown are the weighted average based on the number of reviews at each branch location.
1 Discounted Introductory Fixed Rates of 2.75% and 3.00% Annual Percentage Rate (APR) are available for 24 months or 36 months from account opening of a new UHFCU home equity line of credit, respectively, for approved applications received between 9/19/2022 – 12/31/2022 and funded by 1/31/2023. Minimum initial draw of $25,000.00 required. After the initial fixed rate period, rates are then adjusted to variable, based on the Prime Rate published in The Wall Street Journal, plus a margin. The current fully indexed variable APR is 6.00% as of July 28, 2022. Loan-to-Value (LTV) is the percentage of the property’s appraised value that is mortgaged. Maximum LTV for this offer is 80% LTV. 80% LTV is Prime + 0.50% with a floor rate of 4.50%. After the initial adjustment, the maximum increase per year is 1.00% (rate adjusts January 1st and July 1st) and the maximum rate is 18.00%. Property that will secure your home equity account must be owner-occupied and located in the State of Hawai’i. You must also maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property that secures the home equity account. Refinancing of existing UHFCU mortgages, home equity loans or lines-of-credit, credit card, or other loans and lines-of-credit do not qualify for the offer. Subject to meeting credit underwriting criteria. Additional terms and conditions may apply. Offer, terms, and rate subject to change without notice.
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Local Banks* 2.6 UHFCU 4.5
Tour Puts Architecture In The Spotlight
FROM PAGE 1
guides. Last year, they add- ed listening devices so they could increase the group size to 12 walkers, thanks to a $2,500 grant from Alexan- der & Baldwin.
“We cover about 20-25 buildings and our focus is on architectures. We talk about what buildings are made out of, who designed the (buildings), when they were built and design styles,” says Mason, who is no stranger to historic sites in Hawaiʻi. Through his firm, he’s worked on many important sites, including ‘Iolani Palace, Lunalilo’s Tomb, Kawaiaha‘o Church and more.
TheYokohamaSpecieBankBuildingatthecornerofMerchantandBethel streets was built in 1909 by H.L. Kerr. ANTHONY CONSILLIO PHOTOS
Glenn Mason, vice president of Mason Architects and a Downtown Walking Tour guide, stands in front of the Stangenwald Building on Merchant Street. It was designed by Ripley and Dickey, and built in 1901.
email contact@aiahonolulu. org or call 808-628-7243.
October is Architecture Month and AIA – Honolulu is celebrating with a host of events. Find them in the Ho- nolulu Happenings section on page 10.
“When I lead the tours, I notice there’s often a few facts that surprise people. For example, most people don’t know that Aliʻiōlani Hale (home of the Hawai‘i State Supreme Court) was made entirely out of cast concrete in 1874,” says Mason.
Another topic Mason en- joys is regionalism in archi- tecture.
“The Alexander & Bald- win building is on (the) tour — I consider that building the height of Hawaiian re- gionalism,” he says, explain- ing that the building incor- porates symbolism into its design elements that allude to the history of the company and of Hawai‘i.
“There are other buildings built around the same time in different styles,” he continues.
Some structures make smart use of natural air ventilation or have canopies to create cov- ered walkways, respecting Hawaiʻi’s need for shade and protection from rain.
Mason. “It gives people an appreciation for these places and (lets them) see them as more than a static thing.”
“We talk about the impor- tance of building names and how the buildings may have changed over time,” says
To sign up for a walking tour, visit aiahonolulu.org. Wear comfortable shoes and bring water, sunscreen and an umbrella. For inquiries,