Look to Aloha Pacific FCU for an Extraordinary HELOC

Aloha Pacific Federal Credit Union has the Home Equity Line of Credit you’ve been looking for … for all the big and little things life throws at you.

Home renovations? Medical bills? School tuition? A much-needed vacation? That IRS payment?

Aloha Pacific FCU is ready with the financing solution that fits your needs:

• 0.50% APR* for one year

OR

• 2.50% APR* for three years

OR

• 3.50% 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 4.75% APR* based on the indexed rate as of March 22, 2018

• No annual fee

• Receive up to $500 in closing costs

Apply online at alohapacific. com or visit any APFCU branch. Call 808-531-3711 for more information.

*Rates effective 3/22/18 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.

A Springtime Loan Offer, Too

Join Aloha Pacific FCU and reap the benefits of membership. Right now, there’s a Springtime Loan special with rates as low as 1.99% Annual Percentage Rate* including a 0.24% reduction for automatic payments from an APFCU account. Monthly payments on a $2,500 loan could be as low as $210.76 for a 12-month term.

So don’t wait! Visit any branch or alohapacific.com for more details.

*Personal term loan offers valid 4/1/18 and may be modified or canceled at any time. Membership ($5 in Regular Savings) required. Valid for loan amounts from $1,500 to $30,000. Loan terms up to 72 months available. Your loan approval and APR are based on credit-worthiness. New loans only. No refinancing of existing APFCU or Hawaii National Guard Credit Union loans. Other restrictions may apply. See branch for details on applicable fees and terms.

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