Aloha Pacific FCU’s Amazing New HELOC

Still looking for that right Home Equity Line of Credit?

Look to Aloha Pacific Federal Credit Union, and an amazing HELOC offer launching June 1:

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

• No annual fee

• Receive up to $500 in closing costs

This is THE time to consolidate high-interest debt, renovate your kitchen or bathroom, install photovoltaic panels, pay for school tuition, finally take that dream vacation. Think of the possibilities when you let your home’s equity work for you.

Save time! Apply online at alohapacific.com or visit any APFCU branch. Call 5313711 for more information.

*Rates effective 6/1/17 & 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 0.50% APR for 12 months OR 2.50%

APR for 36 months OR 3.50% APR for 60 months. After your chosen initial period, the APR is variable and subject to change, based on the prime rate published in the Wall Street Journal, plus 0.00%, adjusted quarterly (3.75% min. & 18.00% max), with a 10-year draw with interest-only payments and 20-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 $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.

Join Aloha Pacific FCU

Aloha Pacific Federal Credit Union, celebrating its 80th anniversary, has been helping generations of island families achieve their financial goals.

If you’re not yet a member, you should be! In addition to the amazing new HELOC that launches June 1, APFCU offers other personal loans, savings and checking accounts, Visa® Platinum credit cards, special youth accounts and more.

Online banking and a convenient mobile app make banking a breeze at any hour of the day. APFCU’s affiliates offer full realty and mortgage services and investment guidance.

Members also enjoy special Family Day movie screenings and a Member Appreciation Day at the 50th State Fair, happening June 3.

Go to alohapacific.com or call 531-3711 to find out how you, too, can become a member.

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