Aloha Pacific FCU’s HELOC is the cool financing solution

As we roast in the middle of Hawaii’s warmest season, a homeowner’s thoughts turn to … air-conditioning … ceiling fans … strategic landscaping … how to fi nance everything.

Aloha Pacific Federal Credit Union’s Home Equity Line of Credit can help, with options to suit your needs:
• 0.50% APR* for one year OR
• 2.50% APR* for three years OR
• 3.50% APR* for fi ve years
• Make interest-only payments for the fi rst 10 years
• After the initial term (one, three or fi ve years), the APR is variable, currently 5.00% APR* based on the indexed rate as of June 14, 2018
• No annual fee
• Receive up to $500 in closing costs

Look to Aloha Pacific FCU for your financing solution. Save time by applying online at alohapacific.com or visit any APFCU branch. Call 808-531-3711 for more information.

*Rates effective 8/1/18 and subject to change. Program may be modifi ed or canceled at any time. Membership ($5 in Regular Savings) required. Subject to credit approval. APR = Annual Percentage Rate. After your chosen initial promotional period, the APR is variable and subject to change, based on the Prime Rate published in the Wall Street Journal, with no added margin, and adjusted quarterly (3.75% minimum & 18.00% maximum). Program is a 10-year draw with interest-only payments and 20-year amortization period. Maximum line: $250,000. Applies to owner-occupied properties with required homeowner’s and hurricane insurance; flood insurance required if property is located in fl ood zone. Maximum loan-to-value of 80% in Hawaii; maximum loan-to-value of 70% in Nevada. Estimated 3rd party fees (ALTA policy, appraisal, trust review & attorney, etc.) for a $250,000 HELOC are $250 to $3,800. APFCU offers up to $500 closing credits against all 3rd party fees with an initial draw of $10,000 or more at closing; all closing credits paid by APFCU must be reimbursed if the loan is closed before 36 months from the opening date. Some restrictions may apply. See branch for details on applicable fees, and for other available rates and terms.

Another Cool Offer

Aloha Pacific FCU also offers a special Summer Loan with rates as low as 1.99% APR* including a 0.24% reduction for automatic payments from an APFCU account. Monthly payments on a $2,500 loan could be as low as $210.76 for a 12-month term. Don’t wait! Visit any branch or alohapacific.com for more details. You can save time by applying online, too.

* Personal term loan offer valid as of 8/1/18 and may
be modifi ed or canceled at any time. Membership ($5 in Regular Savings) required. Valid for loan amounts from $1,500 to $30,000. Loan terms up
to 72 months. APR = Annual Percentage Rate. Your loan approval and APR are based on credit-worthiness. New loans only. No refi nancing of existing APFCU or HNGCU loans. Other restrictions may apply. See branch for details on applicable fees, and for other available rates and terms.