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Keep Cool with Aloha Pacific FCU’s All-in-One Financing Solution

homes0630_2It’s about this time of the year when many of us think … “Air-conditioning! It’s hot out there!”

And those of us who already have air-conditioned homes think … “My electricity bill is killing me!”

Now continue the thought: Is it finally time to power your home with a photovoltaic system?

Aloha Pacific Federal Credit Union is ready to help. The full-service, notfor-profit financial institution has special photo-voltaic/solar loans and an all-in one financing solution for the long term: a Home Equity Line of Credit (HELOC) offered at 3.5% annual percentage rate for 59 months. The current index rate is 5% APR.

Some of the features of the 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.

A HELOC lets you finance that sun-powered photovoltaic system and/or any other big-ticket projects, such as home renovations, private-school and college tuition, a once-in-a-lifetime vacation or medical bills. It’s all up to you!

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

APFCU is ‘Building Lasting Relationships’

A one-stop financial institution, Aloha Pacific Federal Credit Union offers savings and checking accounts, special youth accounts, mortgages, a Home Equity Line of Credit, auto loans, VISA credit cards and much more.

Convenience and accessibility are also a priority, Aloha Pacific FCU’s full suite of online 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 even one in Las Vegas, in the Summerlin neighborhood). Many of the Oahu branches in Hawaii Kai, Kapolei, Kailua, Kaimuki, Waikele and Waimalu – are open from 9 a.m. to 2 p.m. on Saturdays, for members’ convenience.

APFCU’s mission, “Building Lasting Relationships,” is built entirely around its members. Chartered in 1936, APFCU has assisted in the financial well-being of generations of Island families.

Not a member yet? It’s easy to join. Visit any branch of APFCU, go online to www. or call 531-3711 to find out how.

*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.

Offer for owner[hyphennobreak]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 plus 1.00% as published in the Wall Street Journal (5.00% min. & 18.00% max.) with a 10-year draw & 30-year amortization period.

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