APFCU’s Home Equity Line of Credit for the Holidays

Are you ready for the holiday season? The parties, decorations, gifts? A grand vacation, year-end home renovations or next year’s school tuition?

Yes, you’ll be ready with Aloha Pacific Federal Credit Union’s Home Equity Line of Credit, the financing solution that can help make this season the merriest ever.

Aloha Pacific FCU’s HELOC has the options to suit your needs:

• 1.00% APR* for one year OR

• 3.00% APR* for three years OR

• 4.00% 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 5.00% APR* based on the indexed rate as of October 1, 2019

• No annual fee

• Receive up to $500 in closing costs

Save time by applying online at alohapacific.com or visit any APFCU branch. Call 808-531-3711 for more information.

And have a wonderful holiday season!

*Rates effective 10/1/19 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.

A Rewarding New Checking Account

Sure, Aloha Pacific FCU’s Home Equity Line of Credit is extraordinary. But APFCU is a full-service financial institution, offering much more, including savings accounts, certificates of deposit, credit cards and mortgages.

In fact, APFCU just launched a new suite of checking accounts, called Aloha Rewards Checking. Each of the three choices offers different benefits:

• Aloha Points: Earn 1 reward point for every $2 signature-based debit card purchase, no monthly requirements. Minimum opening deposit: $10.

• Aloha Cash Back: Earn 3% cash back on debit card purchases, up to $9 a month or $108 annually, if monthly requirements are met. Minimum opening deposit: $100.

• Aloha Advantage Rate:

Receive 2.75% APY* on balances up to $10,000 if monthly requirements are met (0.05% APY if monthly requirements aren’t met) Minimum opening deposit: $100.

Each new Aloha Rewards Checking account comes with a newly designed debit card. PLUS, open a new account and receive a special gift – a dry bag, perfect for the beach or a picnic – while supplies last.

Meet the monthly requirements, and APFCU will rebate your surcharge fees when you use non-APFCU ATMs.**

Visit alohapacific.com or a branch for more details.

Terms, conditions and rates subject to change after the account is opened. An account closing fee will be assessed for any and all accounts that are closed within six months after enrollment. Some restrictions apply.

* APY = Annual Percentage Yield. ** If monthly requirements are met, ATM surcharge fees incurred up to $20 per month will be rebated at the end of each month. There is a $1 withdrawal fee at non-APFCU ATMs, and the first fi ve withdrawals are free; but if monthly requirements are met, you will receive a refund on all $1 withdrawal fees.

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