Long-Term Fixed Rate HELOC – 59 months, 3.5% APR

homes1103_2Aloha Pacific FCU Offers the Financial Solution of the Season

The holiday season is the merriest time of the year, but it can also be the costliest. Still, you can celebrate with confidence, especially with Aloha Pacific Federal Credit Union’s long-term solution in your financial tool kit: Our Home Equity Line of Credit, offered at 3.5% Annual Percentage Rate (APR) for 59 months. (After 59 months, the rate is variable; the current rate is 5.00% APR.)

Embrace the holiday season in style. Take that often-wished-for skiing trip or buy that special gift for that special someone.

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

Check writing – Pay bills using a free set of checks ($1,000 minimum per draw).

Online access – View your current balance and draw on your line from your PC or your mobile device. Simply transfer the money to your checking account.

Closing discounts – Save up to $350 on any new application.

How you choose to use the funds is entirely up to you! As the new year approaches, it might also be time to reflect on what was achieved in 2013, and what can be achieved in 2014. Is it time to spruce up your home? Is college tuition coming up soon? Are you ready for a photovoltaic system on your roof?

APFCU has assisted in the financial well-being of Hawaii families for more than 75 years, and is ready to help you.

For details, visit any APFCU branch, go online at www.alohapacific.com, or call 531-3711.

Offer for owner occupant, Hawaii properties only. Effective 011/01/2013. 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.

APFCU’s New President & CEO

Vince J. Otsuka has been appointed as Aloha Pacific FCU’s President & CEO.

In the 75-year history of APFCU, he is only the third president & CEO, following Masami Oishi and Wallace Y. Watanabe.

Otsuka held the Interim President & CEO position after Watanabe’s retirement in April; previously he had been APFCU’s Senior Vice President of Lending. He joined the credit union in 2002 after a decade of experience in Hawaii’s banking industry.

APFCU, founded by industrious city employees in 1936, is Hawaii’s third-largest credit union, with 10 branches.

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