Aloha Pacific HELOC is now even better than ever

This is it! This is the incredible Home Equity Line of Credit offer you’ve been waiting for!

Aloha Pacific Federal Credit Union’s new HELOC rates are now lower than ever, with options that suit your needs:

• 0.75% APR* for one year

OR

• 1.625% APR* for three years

OR

• 2.625% APR* for five years

• After the initial term, the APR is variable, currently 3.75% APR* based on the indexed rate as of February 1, 2022

• Make interest-only payments for the first 10 years

• No annual fee

• Receive up to $500 in closing costs

Now you can finance all your projects for the new year – a renovated kitchen or bathroom, new landscaping, photovoltaic panels. Planning a wedding or the vacation of a lifetime? Consolidate those high-interest bills. And don’t forget about the upcoming tax season.

There are so many possibilities with Aloha Pacific’s new HELOC. The choice is yours!

Save time by applying online at alohapacifi c.com or visit any APFCU branch. Call 808-531- 3711 for more information. *Rates effective 2/1/22 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 0.75% APR for 12 months OR 1.625% APR for 36 months OR 2.625% 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; fl ood insurance required if property is located in fl ood 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.