Plan the Brightest of Holidays with Aloha Pacifi c FCU’s HELOC
Is it too early to think about the coming holiday season and all the festivities and expenses it brings?
No, it’s never too early, and that’s where Aloha Pacific FCU’s amazing Home Equity Line of Credit can help:
• 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 5.00% APR* based on the indexed rate as of June 14, 2018
• No annual fee
• Receive up to $500 in closing costs
With Aloha Pacific FCU’s HELOC as your financing solution, your holidays are sure to be merry.
Save time by applying online at alohapacific.com or visit any APFCU branch. Call 808-531-3711 for more information.
*Rates effective 9/1/18 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.
