Aloha Pacific FCU’s HELOC is Your Financing Solution

Don’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 two to five
• 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.

Save time by applying online at alohapacific.com; or visit any APFCU branch.

Call 531-3711 for more information and see how your home’s equity can work for you!

Rate effective 5/1/16 & 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.

‘Spring Into Summer’ with a Special Loan Offer

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

Right now there’s a “Spring Into Summer” loan offer that can help with all the summer expenses that are sure to crop up, such as graduation gifts and parties, vacations and home renovations in preparation for visitors.

“Spring Into Summer” includes these great rates and terms:

• As low as 3.25% Annual Percentage Rate* (APR), includes a 0.24% reduction for automatic payments from an APFCU account
• Terms up to 48 months
• For new loans only; no refinancing of existing APFCU loans
• Minimum loan amount: $1,500; maximum: $30,000

Save time by applying online at alohapacific.com, or visit any branch or call 531-3711 for all the details.

Not a member of APFCU yet? Call us to find out how you can be.

*Personal term loan offer valid 5/1/16 and may be modified or canceled at any time. Other restrictions may apply. Membership ($5 in Regular Savings) required. Example: monthly payments on a $2,500 loan could be as low as $55.69 for 48 months. Your loan approval and Annual Percentage Rate are based on credit-worthiness. See branch for details on applicable fees and terms.

Federally insured by NCUA

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