Aloha Pacific FCU’s HELOC is the Cool Financing Solution

It’s hot … really hot! A photovoltaic system that could run whole-home air conditioning would be so welcome right now. Or maybe cooling garden renovations … then there are those wedding plans … and that much-needed vacation or staycation.

Whatever your projects and expenses, Aloha Pacific Federal Credit Union’s hot Home Equity Line of Credit is your financial solution, offering options that suit your needs:

• 1.00% APR* for one year

OR

• 2.00% APR* for three years

OR

• 3.00% APR* for five years

• After the initial term, the APR is variable, currently 3.75% APR* based on the indexed rate as of July 1, 2021

• Make interest-only payments for the first 10 years

• No annual fee

• Receive up to $500 in closing costs

It’s time to let the equity in your home work for you, with the assistance of Aloha Pacific FCU’s HELOC.

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

*Rates effective 7/1/21 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 1.00% APR for 12 months OR 2.00% APR for 36 months OR 3.00% 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 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.

Virtual Fundraiser for Hawaii Foodbank Continues

Aloha Pacific FCU is continuing to raise funds for Hawaii Foodbank as part of a credit union coalition campaign that ends July 31.

APFCU’s goal is to raise at least $2,000, and will also contribute a matching $2,000 to the final total.

You can help: Donate online through our credit union coalition fundraising page, alohapacific.com/hawaiifoodbank. Aloha Pacific FCU’s branches on Oahu and Maui also will happily accept non- perishable food donations.

This is the second year of virtual fundraising for the nonprofit foodbank, which distributed more than 18.3 million pounds of food, including 4 million pounds of fresh produce, on Oahu and Kauai in 2020.

Since the pandemic, the foodbank has purchased more than $13.2 million worth of food to help those in need.

Mahalo to all who have generously donated to the foodbank so far!

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