Aloha Pacific FCU’s HELOC is Your Financing Solution
Can it be that the holidays are right around the corner? That means Christmas gifts, parties and decorations, friends and family eager to visit from far-off places, maybe even that special staycation you’ve been putting off. And more, always more!
How to pay for all that and more, always more?
Aloha Pacific Federal Credit Union has the answer: Its extraordinary Home Equity Line of Credit offers 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 October 1, 2021
• Make interest-only payments for the first 10 years
• No annual fee
• Receive up to $500 in closing costs
Don’t wait! 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 10/1/21 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.
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