A New Year, A Fresh Start with Aloha Pacifi c FCU’s HELOC
Happy 2019!
It’s a brand new year, time to reflect on last year’s accomplishments and move forward toward other goals and life events.
That might mean home renovations, school tuition, a special getaway, consolidating those holiday bills … big or small, whatever your plans are, 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 5.50% APR* based on the indexed rate as of December 20, 2018
• No annual fee
• Receive up to $500 in closing costs
Look to Aloha Pacific FCU to help you reach your goals in the new year and beyond.
Save time by applying online at alohapacific.com or visit any APFCU branch. Call 808-531-3711 for more information.
*Rates effective 1/1/19 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.
Aloha Pacific Federal Credit Union will host a booth at The Big Home Building & Remodeling Show, January 25-27 at the Blaisdell Exhibition Hall.
You’ll find all the financing solutions you’re looking for and friendly, knowledgeable APFCU staff who are ready to assist.
Hours are:
• January 25 Friday: 5-9 p.m.
• January 26 Saturday: 9:30 a.m.-7:30 p.m.
• January 27 Sunday: 9:30 a.m.-4:30 p.m.
Admission is $7 general or $10 for a three-day pass; free admission for kids 10 and younger. Senior Sunday, January 27: $2 admission for those 60 and older with valid ID.
The event is presented by the Building Industry Association of Hawaii (BIA).
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