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Complete Those Projects with Aloha Pacifi c FCU’s HELOC

0809_2Suddenly, it’s August … and 2015 is flying by. Have you completed all the big projects you had planned for this year?

It’s not too late to renovate your kitchen or your bathroom in anticipation of holiday visitors, install a photovoltaic system, have the house painted, improve the landscaping, take a dream vacation – all that, and more. School tuition? Consolidate high-interest credit card bills? Pay off a big medical bill? All that, too.

The Big Question: How do you pay for it all?

The Answer: Aloha Pacific Federal Credit Union’s Home Equity Line of Credit (HELOC), your long-term funding solution.

Aloha Pacific FCU’s HELOC features a 3.50% Annual Percentage Rate for 59 months. After the 59 months, the rate is variable, currently at 5.00% APR.

Other features of the HELOC include:

• A credit of up to $500 at loan closing

• No annual fee

• 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, or call 531-3711 for more information.

Rate effective 08/01/15 & subject to change. 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. 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, etc.) for a $250,000 HELOC are $500 to $1,200. APFCU offers up to $500 closing credits against all 3rd party fees with an initial draw of $10,000 or more at closing.

‘Go Do It’ Loan

Can Help, Too

A Home Equity Line of Credit isn’t an option for everyone, but Aloha Pacific Federal Credit Union can still help, with a special “Go Do It” loan offer:

• As low as 2.99% Annual Percentage Rate (APR), includes a 0.24% reduction for automatic payments from an APFCU account

• Terms up to 36 months

• For new loans only; no refinancing of existing APFCU loans

• Minimum loan amount: $1,500; maximum: $20,000

Visit any APFCU branch, apply on APFCU’s website,; or call 531-3711 for all the details.

Personal term loan offer valid as of 8/01/15 and may be modified or canceled at any time. Other restrictions may apply. Membership ($5 in Regular Savings) required. Example: monthly payments on a $5,000 loan could be as low as $145 for 36 months. Your loan approval and Annual Percentage Rate are based on credit-worthiness. See branch for details on applicable fees and terms.

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