Complete Those Projects with Aloha Pacifi c FCU’s HELOC
Summer will be here soon … how is your 2019 to-do list coming along?
Whatever your goals are – home renovations? a special vacation? consolidating high-interest bills? – Aloha Pacific Federal Credit Union’s Home Equity Line of Credit is your financing solution, with options to suit your needs:
• 0.50% APR* for one year
OR
• 2.75% APR* for three years
OR
• 3.75% APR* for five years
#x2022; 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 December 20, 2018
• No annual fee
• Receive up to $500 in closing costs
Look to Aloha Pacific FCU to help finance all the big and little things life throws at you. Save time by applying online at alohapacific.com or visit any APFCU branch. Call 808-531-3711 for more information.
*Rates effective 5/1/19 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% 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.
APFCU Can Guide You to Your First
Thinking about buying your first home?
You’re in luck: Aloha Pacific FCU mortgage and real estate professionals are presenting a pair of free “First Steps to Buying a Home” seminars:
• Saturday June 1, 9-11 a.m.
APFCU’s conference room,
Kaimuki Business Plaza
3465 Waialae Avenue, 4th floor
Free validated parking
• Wednesday June 26, 6:30-8 p.m.
APFCU’s Waimalu branch
Waimalu Shopping Plaza,
Aiea 98-1277 Kaahumanu Street, Suite 143
Free parking
Light refreshments will be provided. Ask us how you can receive up to $1,000 in closing credits and an additional bonus worth $400 for Hawaii properties if you attend the seminar.
Seats are limited. For details and to RSVP, email TeriLynn.Oshita@ alohapacific.com or call (808) 539-0383.
Presentations are for general information only. Consult with your legal, financial or other professional regarding your specific situation.
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