Cheers to the Holidays and Aloha Pacifi c FCU’s HELOC

Let the holiday frenzy begin! Think of all the joy and excitement from the holiday parties, family gatherings, gifts and decorations.

Aloha Pacific Federal Credit Union’s Home Equity Line of Credit can help you finance it all, with options to suit your needs:

• 0.50% APR* for one year

OR

• 2.75% APR* for three years

OR

• 3.75% APR* for five years

• Make interest-only payments for the first 10 years

• After the initial term (one, three or five years), the APR is variable, currently 5.25% APR* based on the indexed rate as of November 1, 2018

• No annual fee

• Receive up to $500 in closing costs

Look to Aloha Pacific FCU to help finance the merriest holiday ever. Save time by applying online at alohapacific.com or visit any APFCU branch.

Call 808-531-3711 for more information.

*Rates effective 11/1/18 and subject to change. Program may be modified 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 flood 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.

Visit With Santa at 3 APFCU Branches

Santa Claus will visit three Aloha Pacific FCU branches this holiday season and everyone’s invited!

And it’s all free!

Here’s the schedule:

• Wednesday, December 5: Main branch, 2-4 p.m., 832 South Hotel Street, near the police station

• Saturday, December 8: Waimalu branch, 9-10:45 a.m., 98-1277 Kaahumanu St., Ste. 143, near City Mill; and Kailua branch, 12:15-2 p.m., 200 Hamakua Drive, Suite B6, near Safeway

We’ll have holiday refreshments, too.

Be sure to bring your camera or smartphone to capture special Santa moments with your youngsters or a selfie for your holiday posts.

Have a wonderful holiday!

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