Long-term Financing for the Season: Aloha Pacific FCU’s HELOC

It’s the most wonderful time of the year! And with gifts for family and friends, holiday parties, decorations, entertaining visitors or traveling to vacation destinations, this can also be the costliest time of the year.

How do you pay for all the festivities? Look to Aloha Pacific Federal Credit Union’s Home Equity Line of Credit (HELOC) for your long-term financing solution.

Aloha Pacific FCU’s HELOC features a 3.50% Annual Percentage Rate for 59 months. After the 59 months, the rate is variable, currently at 5.00% APR.

Other features of the HELOC include:

• A credit of up to $500 at loan closing

• Check writing – pay bills using a free set of checks ($1,000 minimum per draw).

• Internet access – view your current balance and draw on your line from your PC or mobile device. Simply transfer the money to your checking account.

Visit any branch, aloha pacific.com, or call 531-3711 for more information.

Happy holidays to all, and may the new year be filled with joy and prosperity!

Rate effective 11/01/14 & subject to change. Membership ($100 in Regular Savings) required. Subject to credit approval. APR = Annual Percentage Rate. Contact an employee for more information about applicable fees & terms. Some restrictions may apply. Programs may be modified or canceled at any time. HELOC offer is a fixed APR for 59 months at time of closing. After 59 months, the APR is variable. The

current index rate is based on the prime rate published in The Wall Street Journal, plus 1.00%, adjusted quarterly (5.00% min. & 18.00% max), with a 10-year draw and 30-year amortization period. Applies to owner-occupied properties with required insurance and maximum loan-to-value of 80% in Hawaii. Estimated 3rd party fees (ALTA policy, appraisal, trust review & attorney, etc.) for a $250,000 HELOC are $500 to $1,200. APFCU offers up to $500 closing credits against all 3rd party fees with an initial draw of $10,000 or more at closing.

This is the Time to Go Do It!

Aloha Pacific Federal Credit Union is a one-stop financial institution, with a full range of savings accounts and loan offerings designed to make your season brighter.

If you don’t own a home or haven’t yet established equity, APFCU’s Go Do It! Loan might be just what you’re looking for:

• As low as 2.99%* Annual Percentage Rate, includes a 0.25% reduction for automatic payments from an APFCU account

• Terms up to 36 months

• For new loans only; no refinancing of existing APFCU loans

• Minimum loan amount: $1,500; maximum: $20,000

Visit any APFCU branch or call 531-3711 for all the details. Or go online to alohapacific.com, where the loan application process has been streamlined.

*Personal term loan offer valid as of 11/01/14 and may be modified or canceled at any time. Other restrictions may apply. Membership ($100 in Regular Savings) required. Example: monthly payments on a $5,000 loan could be as low as $145 for 36 months. Your loan approval and Annual Percentage Rate are based on creditworthiness. See branch for details on applicable fees and terms.

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