Spring into Action With Aloha Pacific Federal Credit Union’s HELOC

homes0420_2This is the time of year – Easter and spring – when we think about renewal, spiritual and otherwise. It’s a time of spring cleaning, checking on your goals and resolutions of the new year, and looking ahead to the busy summer and beyond.

If you need help with some of those big and small goals, look to Aloha Pacific Federal Credit Union’s Home Equity Line of Credit as your long-term funding solution.

APFCU’s HELOC features an extraordinary 3.50% Annual Percentage Rate for 59 months. After the 59 months, the rate is variable, currently at 5.00% APR.

What you do with the funds is entirely up to you. Maybe you’re thinking about kitchen and bath renovations, private-school or college tuition, a once-in-a-lifetime summer vacation, a photovoltaic system for your home. Any and all of these are possible with APFCU’s HELOC.

Other features of the HELOC include:

* New offer – $500 in closing credits

* 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, www.alohapacific.com, or call 531-3711 for more information. Our loan specialists can help you reach those big and little goals for this year and beyond.

Rate effective 04/01/14 & subject to change. Membership ($100 in a regular savings) required. Subject to credit approval. APR = Annual Percentage Rate. Contact an employee 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) for a $250,000 HELOC are $500 to $1,200. We offer a $500 closing credit against all 3rd party fees with an initial draw of $10,000 or more at closing.

Don’t Wait: This is THE Time to Buy a Home

You’ve seen the news: Hawaii’s real estate market continues to heat up, with record-setting prices and still-low interest rates.

This is THE time to buy!

Aloha Pacific FCU offers the full range of mortgages with competitive rates to help you land your dream home. Our mortgage specialists can answer all your questions, help you make the decisions that are best for you and guide you through the process.

In addition to first mortgages, APFCU offers second mortgages and refinancing.

Visit any branch or call 531-3711 for more information. You can also fill out a prequalification form on our website, alohapacific.com.

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