Looking for the right HELOC? Look to Aloha Pacific FCU!

The wait is over. Aloha Pacific Federal Credit Union’s Home Equity Line of Credit is the financing solution you’ve been looking for.

Rates are lower than ever, with options that suit your needs:

• 0.75% APR* for one year

OR

• 1.625% APR* for three years

OR

• 2.625% APR* for five years

• 3.75% APR* current index rate as of April 1, 2022. After the initial term, the APR is variable.

• Make interest-only payments for the first 10 years.

• No annual fee

• Receive up to $500 in closing costs

• $400,000 lines now available

Now you can finance all your projects for the rest of the year – a renovated kitchen or bathroom, new landscaping, photovoltaic panels. Planning a wedding or the vacation of a lifetime? Consolidate those high-interest bills.

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

*Rates effective 4/1/22 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. HELOC offer is a promotional rate of 0.75% APR for 12 months OR 1.625% APR for 36 months OR 2.625% APR for 60 months. After your chosen initial period, your APR will be the Current Indexed Rate, which is variable based on the Prime Rate published in the Wall Street Journal with no added margin (3.75% minimum & 18.00% maximum) and subject to change. Program is a 10-year draw with interest only payments and 20-year amortization period. Maximum line: $400,000. 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 $400,000 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 celebrating its 85th year

Chartered in December 1936 and opening its doors for business in January 1937, Aloha Pacific FCU has assisted in the financial goals of generations of Island residents. Now celebrating its 85th year of operations, APFCU is continuing its mission of “Building Lasting Relationships” and looking forward to the next 85 years.

APFCU offers savings and checking accounts, personal loans and HELOCs, mortgages, VISA Platinum credit cards and much more. Convenience is a priority, with easy-tonavigate online banking and a free mobile app that features remote check deposit and Debit Card Control.

Not yet a member? You can be! Save time by opening an account online at alohapacific.com. Or visit any branch or call 808-531-3711.

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