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Dreams Can Come True with Aloha Pacific FCU’s Financing Solution

homes0811_2Can it be? Summer is rapidly coming to a close, and those big projects are still on the drawing board?

Bring them closer to reality with Aloha Pacific Federal Credit Union’s long-term financing solution: a Home Equity Line of Credit (HELOC) offered at 3.5% annual percentage rate for 59 months. The current index rate is 5% APR.

A HELOC takes advantage of the equity in your home to finance whatever you desire, including that dream vacation to an exotic destination, kitchen and bath renovations, a photovoltaic system, amazing landscaping and college tuition. Or use the funds to pay off high-interest credit card balances or medical bills. It’s all up to you.

Some of the features of Aloha Pacific FCU’s HELOC are:

* Check writing – You will be able to draw on your line using a free set of checks ($1,000 minimum per draw).

* Internet access – You will be able to view and draw on your line through an online banking system. Simply transfer the money to your checking account.

* A $350 closing cost discount may apply.

For details, go to any APFCU branch, visit www., or call 531-3711.

Offer for owner-occupant, Hawaii properties only. Effective 06/01/2013. Offer subject to change. Loans subject to approval. Other restrictions may apply. Membership ($100 in a regular savings account) required. Contact an employee for further information about applicable fees & terms. HELOC has no credit union closing cost, annual fee or prepayment penalty. $350 discount on 3rd party fees (estimated $350-$1,200 on a $250,000 credit line). Maximum combined loan-to-value of 80%. Fire, hurricane and applicable flood insurance required. Rate is fixed for 59 months at closing. After 59 months, the rate is variable based on the prevailing rate, adjusted quarterly based on the prime rate, as published in The Wall Street Journal, plus 1.00% (5.00% min. & 18.00% max.) with a 10-year draw & 30-year amortization period.

Wherever You Are, APFCU is There

Aloha Pacific Federal Credit Union aims to be its members’ one-stop financial institution, offering savings and checking accounts, special youth accounts, mortgages, a full range of personal loans and much more.

Convenience and accessibility are also a priority in this fast-paced and busy world, and Aloha Pacific FCU’s full suite of online banking, mobile-and text-banking* makes it easy for members to manage their money.

In addition, APFCU has a network of 40 KalaBash ATMs and nine conveniently located branches on Oahu and one in Las Vegas, in the Summerlin neighborhood. The Hawaii Kai, Kapolei, Kailua, Kaimuki, Waikele and Waimalu branches have Saturday hours, from 9 a.m. to 2 p.m., for members who can’t visit during the busy workweek.

Helping members save money is another top priority at APFCU. Oahu branches offer discount Consolidated and Regal movie tickets; and APFCU’s website features members-only coupons for special discounts and offers from select business partners.

And that’s just the beginning. For more information and to become a member, visit any branch of APFCU, go online to www.aloha or call 531-3711. APFCU is also on Facebook ( PacificFCU) and Twitter (@apfcu).

*Text-banking services are free to APFCU members, for Internet-and text-capable mobile devices. Standard data / text usage fees apply; contact your carrier for details.

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