College Is Calling, And Aloha Pacific FCU’s HELOC Is The Answer

In the blink of an eye, the months have melted away and the year is heating up for summer. In the blink of an eye, the kids are almost all grown up and are already thinking seriously about college.

Parents, you know what that means: first campus tours, then tuition, books, room and board and the many extras that make the college experience unforgettable … and expensive.

Aloha Pacific Federal Credit Union is ready to help. APFCU’s extraordinary Home Equity Line of Credit is the all-in-one solution, especially if a costly Mainland college is calling. It’s offered at 3.5% APR (annual percentage rate), fixed for 35 months** and adjusted quarterly thereafter. The current index rate is 5% APR.

A HELOC takes advantage of the equity in your home. It’s a revolving line of credit that can finance those college dreams, exciting family summer vacations and other big-ticket projects with no restrictions on how you spend the money.

The terms include:

* No credit union closing cost
* No annual fee
* No prepayment penalty
* $350 discount on third-party fees for loans up to $250,000 (see the Hawaiian Miles option on this page)
* Draw on your line with free checks or online transfer.

Aloha Pacific FCU has been helping Hawaii families for decades. “Building Lasting Relationships” is its mission and its inspiration as it celebrates its 75th anniversary.

Visit any APFCU branch – there are nine on Oahu and one in Las Vegas – or go to www.alohapacific.com for details. Call 531-3711. Not a member yet? Go to any branch to find out how to join.

**HELOC offer effective 08/26/2011, subject to APFCU membership ($100 in Savings) and may change or terminate at any time. The owner occupant introductory rate is fixed for 35 months at closing. After 35 months, the rate is variable based on the prevailing rate, adjusted quarterly based on the prime rate plus 1.00% as published in the Wall Street Journal (5.00% minimum & 18.00% maximum) with a 10-year draw & 30-year amortization period. Current index rate 5.00% APR. HELOC has no credit union closing cost, annual fee or pre-payment penalty. $350 discount on 3rd party fees ($350-$1,200 estimated) for loans up to $250,000 (maximum). Minimum draw amounts of $1,000. HELOC discount does not apply to the refinancing of existing APFCU HELOCs. Applies to Hawaii properties with fire, hurricane and applicable flood insurance. Contact an employee for applicable fees and terms.

Flying High With HawaiianMiles and APFCU

Aloha Pacific FCU’s Home Equity Line of Credit offer is extraordinary in another way: You can earn 15,000 HawaiianMiles in Hawaiian Airlines’ frequent-flier program when you’re approved for a new HELOC – or you can still choose a $350 discount on closing/third-party fees.

Other select APFCU loans offer HawaiianMiles rewards upon approval:

* First mortgage: 25,000 HawaiianMiles or a discount of up to $500 in appraisal fees

* Photovoltaic solar loan: 10,000 HawaiianMiles

* Solar water heater loan: 5,000 HawaiianMiles

Please allow at least four to six weeks for your Miles to register in your HawaiianMiles account after approval.

Visit any branch, go online to www.alohapacific.com, or call 531-3711 for more details.

Membership required for service ($100 in a savings account). Loans require credit approval. Offer applies to new approved loans. Some restrictions may apply. Program may be modified or cancelled at any time. Some services not available in all states. See branch for details.

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