A HELOC At 0.35% APR For The First Year? Yes, It’s True

homes-2Don’t wait!

Aloha Pacific Federal Credit Union’s new HELOC, featuring an incredible first-year rate and then a very competitive rate for the next four years, won’t last forever.

This limited-time offer includes:

0.35% APR for the first year… and then….

3.50% APR for years 2-5

• After 60 months, the APR is variable

• No annual fee

• Receive up to $500 in closing costs

The time is now to finance big-ticket items such as kitchen and bathroom renovations, landscaping, a photovoltaic system, school tuition – just about anything you desire.

Visit any APFCU branch, call 531-3711 or apply online at alohapacific.com – and see how your home’s equity can work for you!

Rate effective 02/19/16 & 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. See branch for more information about applicable fees & terms. Some restrictions may apply. HELOC offer is a promotional rate of 0.35 % APR for 12 months, then 3.50% APR for 48 months. After 60 months, the APR is variable. The current index rate is based on the prime rate published in the Wall Street Journal, plus 1.00%, adjusted quarterly (5.00% min. & 18.00% max), with a 10-year draw and 30-year amortization period. Maximum line: $250,000. Applies to owner-occupied properties with required insurance. 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 $500 to $2,500. 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.

Look to Aloha Pacific FCU

Aloha Pacific FCU is a full-service financial institution, with all the loans and savings products consumers want and need.

Not a member yet? It’s a great time to join. Call 531-3711, go to alohapacific.com or visit any branch for details about membership, mortgages, and all the benefits APFCU offers.

Membership ($5 in Regular Savings) required. Loans are subject to credit approval and may change at any time. Some restrictions may apply. Contact an employee for applicable fees and terms. Hawaii NMLS# 377314

Locations Hawaii
Michael Marks
Sandwich Isles Realty
Kimo Smigielski, Broker-in-Charge
R, ABR, CRS, GRI, e-PRO
Hawaii Life Real Estate Brokers
Emily Garcia
Agent, REALTOR(A), RS-77391
Coldwell Banker
DAY-LUM Properties

Edith Crabb, RB-8195
Coldwell Banker
DAY-LUM Properties

Glenn Takase, RB-18547
Coldwell Banker
DAY-LUM Properties

Misti R. Tyrin, RS-75836
Coldwell Banker
DAY-LUM Properties

David L. Skeele, RB-12882
Kauai Landmark Realty
Phil Fudge, RB-18576
Claire Keaton, RS-73854
Coldwell Banker
DAY-LUM Properties

Shea Miyashiro, RS-64678
Coldwell Banker
DAY-LUM Properties

Atsuko Winston, RS-75899
Coldwell Banker
DAY-LUM Properties

Mark Skeele, RS-77005