Aloha Pacific FCU’s Big Solution to Your Big Renovation Puzzle

Homes-081014---5You’re already in the home of your dreams and you want to make it … dreamier.

The big question: How can you make it happen?

The big answer: Aloha Pacific Federal Credit Union’s long-term financing solution, a Home Equity Line of Credit featuring a 3.50% Annual Percentage Rate for 59 months. After the 59 months, the rate is variable, currently at 5.00% APR.

Now all your dreams CAN come true: You can install that photovoltaic system, update your kitchen with new cabinets and high-end appliances, create that spa bathroom you’ve always wanted, add on another bedroom or other living space – it’s entirely up to you.

Other features of the HELOC include:

* A credit of $500 at loan closing

* Check writing pay bills using a free set of checks ($1,000 minimum per draw).

* Internet access view your current balance and draw on your line from your PC or mobile device. Simply transfer the money to your checking account.

Visit any branch, aloha pacific.com, or call 531-3711 for more information.

Rate effective 08/01/14 & subject to change. Membership ($100 in Regular Savings) required. Subject to credit approval. APR = Annual Percentage Rate. Contact an employee for more information about applicable fees & terms. Some restrictions may apply. Programs may be modified or canceled at any time. HELOC offer is a fixed APR for 59 months at time of closing. After 59 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. Applies to owner-occupied properties with required insurance and maximum loan-to-value of 80% in Hawaii. Estimated 3rd party fees (ALTA policy, appraisal, trust review & attorney) for a $250,000 HELOC are $500 to $1,200. We offer $500 closing credits against all 3rd party fees with an initial draw of $10,000 or more at closing.

APFCU Has Loans for All Reasons

Aloha Pacific Federal Credit Union is a one-stop financial institution, with a variety of loan products to fill every need.

For example, the current “Go Do It!” personal loan special is offered at rates as low as 2.99% APR*.

It’s designed to help you finance whatever you need or want to do, such as tuition, medical expenses, vacations, bill consolidation, home improvements, early holiday shopping – and anything else on your projects list.

Of course, you must be a member of APFCU to take advantage of this extraordinary offer.

If you’re not yet a member, it’s easy to join. We have assisted in the financial well-being of generations of Island families, and are eager to show you the benefits of APFCU membership.

Visit any branch or aloha pacific.com or call 531-3711 for more information.

*Personal term loan offer valid as of 7/1/14 and may be modified or canceled at any time. Valid for loan amounts from $1,500 to $20,000. Membership ($100 in Regular Savings) required. APR = Annual Percentage Rate. See branch for details on applicable fees and terms. Loan term up to 36 months. Example: monthly payments on a $5,000 loan could be as low as $145 for 36 months. Your loan approval and APR are based on credit-worthiness. Offer includes a 0.25% discount for automatic payment from an APFCU account. New loans only. No refinancing of existing APFCU loans. Other restrictions may apply.

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