Refinance Now with Aloha Pacific Federal Credit Union

Mortgage loan rates are at historic lows – that’s great news for new home-buyers, and fantastic news for current homeowners looking to refinance.

When you’re ready to make that money-saving move, consult the mortgage specialists at Aloha Pacific Federal Credit Union, which offers competitive rates and personalized service that’s second to none.

Why should you refinance?

• The lower your interest rate, the less you’ll be paying each month.

• The lower your interest rate, the less interest you’ll have paid over the life of the loan.

• If you currently have an adjustable-rate mortgage, in which your payments would eventually increase, you could refinance into a fixed-rate mortgage.

• You could potentially shorten the term of your mortgage by refinancing from a 30-year loan to a 15-year loan.

Refinancing does require certain fees, such as closing costs, loan points, escrow fees and insurance – all of which would affect the amount of your monthly mortgage. Some fees may be tax deductible; be sure to consult your tax adviser.

Visit any APFCU branch or call 531-3711.

Membership ($5 in Regular Savings) required. All loans subject to approval. Some restrictions apply. Rates, terms, programs and conditions are subject to change. Some services not available in all states. Hawaii NMLS# 377314

Your Piece of the American Dream

Choose APFCU When You’re Ready to Purchase a Home

First-time home buyers: This is the time to make those dreams a reality, and Aloha Pacific Federal Credit Union is ready to help.

Because Aloha Pacific FCU is a full-service mortgage lender that also can offer local servicing through its affiliate, CUSO of Hawaii Services LLC, borrowers have a wide range of loan products at competitive rates with the convenience of local servicing. APFCU also offers a special program that can partner the homebuyer with its Realty affiliate, CUSO Hawaii Properties LLC, which provides professional realty services.

Don’t wait. Call 531-3711 or visit any branch of APFCU for all the details.

Becoming a Member of APFCU is Even Easier

There’s big news at Aloha Pacific Federal Credit Union: We recently reduced the minimum deposit required for membership to just $5 – substantially lower than the former $100 requirement.

To take advantage of APFCU’s money-saving products and services – and exclusive member benefits such as Family Day movie screenings and Member

Appreciation Day at the 50th State Fair – you must be a member of the credit union.

Visit any APFCU branch or alohapacific.com, or call 531-3711.

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