Aloha Pacific FCU’s HELOC is Your Financing Solution

This summer season sure is hot. And so is your list of projects to complete. Kitchen renovations? Landscaping? Photovoltaic panels? Finding a way to finance it all?

Find your solution at Aloha Pacific Federal Credit Union and its Home Equity Line of Credit, which offers 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 5.50% APR* based on the indexed rate as of June 1, 2019
• No annual fee
• Receive up to $500 in closing costs

Aloha Pacific FCU is ready to help finance all your projects, big or small. Save time by applying online at alohapacific.com or visit any APFCU branch. Call 808-531-3711 for more information.

*Rates effective 6/1/19 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% alohapacific.com 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.

Buying or Selling? It’s a Hot Season for Real Estate, too

Reyn Uehara
Realtor
Principal Broker
RB-21259

Summer is traditionally the busiest time of the year for real estate sales, and Aloha Pacific Premier Realty is ready to help. Our team of seasoned agents can help you prepare your home for sale or give you all the advice you’ll need when searching for your dream home.

Members of Aloha Pacific FCU and its Divisions – Hawaii National Guard Credit Union, OTS Employees Credit Union and Kekaha (Kauai) Credit Union – also get a discounted seller’s commission rate and buyers receive a one-year home warranty to protect their new purchase.

Not a member of APFCU or its Divisions? It’s easy to join. Visit alohapacific.com or any branch or call 531-3711 to find out more.

For more information about buying or selling a home, call Reyn Uehara at (808) 383-8072 or email him at reyn.uehara@alohapacificpremierrealty.com.

Some restrictions may apply. Membership ($5 in Regular Savings) required.