Aloha Pacific FCU Has the HELOC You Need Now

The world hasn’t quite returned to “normal,” but we just can’t let the pandemic stop us, right? Right?!

We have our lives to live, and that includes updating our homes, traveling again, celebrating milestone events and figuring out the everyday stuff such as the tax bill, medical expenses, school tuition.

How to pay for it all? Aloha Pacific FCU’s Home Equity Line of Credit could be your answer:

• 3.50% APR*, fixed for 3 years

OR

• 4.00% APR*, fixed for 5 years

• 7.50% APR* current index rate as of February 1, 2023. 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

• $250,000 lines available

Save time by applying online at alohapacific.com or visit any APFCU branch.

*Rates effective 2/1/23 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 3.50% APR for 36 months OR 4.00% 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 interestonly 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 65% 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.

Federally insured by NCUA

See More Listings