Aloha Pacifi c FCU’s New HELOC for the Holidays and Beyond

Aloha Pacific Federal Credit Union’s new Home Equity Line of Credit, offering an extraordinary first-year rate, might be the long-term financing solution you’ve been looking for. But wait … there’s more! After the first year, you then have four more years at a very competitive rate.

Last-minute holiday gifts or celebrations? That vacation of a lifetime? New appliances? Home renovations? Tuition? Pay off high-interest debts? All these and more, all the big and little things that life throws at you, are possible with this incredible HELOC offer:

• 0.35% APR for the first year… and then….

• 3.50% APR for years 2 through 5

• After 60 months, the APR is variable

Visit any APFCU branch, call 531-3711 or apply online at alohapacific.com – and see how your home’s equity can work for you!

Rate effective 12/13/15 & subject to change. Programs may be modified or canceled at any time. Membership ($5 in Regular Savings) required. Subject to credit approval.

APR = Annual Percentage Rate. See branch for more information about applicable fees & terms. Some restrictions may apply. HELOC offer is a promotional rate of 0.35 % APR for 12 months, then 3.50% APR for 48 months. After 60 months, the APR is variable. The current index rate is based on the prime rate published in the Wall Street Journal, plus 1.00%, adjusted quarterly (5.00% min. & 18.00% max), with a 10-year draw and 30-year amortization period. Applies to owner-occupied properties with required insurance. 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 $500 to $2,500. 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.

Holly Jolly Loan Can Make Holiday Wishes Come True

Aloha Pacific FCU offers all the financial products and services you’ll need.

Right now, just in time for the holiday season, the special Holly Jolly Holiday Loan is in effect through December 31:

• As low as 2.50% Annual Percentage Rate* (APR), includes a 0.24% reduction for automatic payments from an APFCU account

• Terms up to 24 months

• For new loans only; no refinancing of existing APFCU loans

• Minimum loan amount: $1,500; maximum: $20,000

Of course, you must be a member to take advantage of APFCU’s money-saving benefits – and becoming a member is easy, requiring just $5 in a savings account.

Visit any APFCU branch, apply at alohapacific.com, or call 531-3711 for all the details.

And have a very merry Christmas and a Happy New Year!

*Personal term loan offer valid 11/01/15 – 12/31/2015 and may be modified or canceled at any time. Other restrictions may apply. Membership ($5 in Regular Savings) required.

Example: monthly payments on a $2,500 loan could be as low as $107.01 for 24 months. Your loan approval and Annual Percentage Rate are based on credit-worthiness. See branch for details on applicable fees and terms.

See More Listings