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Start Anew with Aloha Pacific FCU’s Happiest HELOC

Happy New Year!

It’s a great time to look back at what you accomplished and plan ahead for what’s to come. Home renovations? Fresh landscaping? The vacation of a lifetime? Private school or college tuition?

And finding just the right Home Equity Line of Credit to finance it all.

Aloha Pacific Federal Credit Union’s HELOC might be just what you’re looking for, with options to suit your needs:

0.50% APR* for one year OR

2.50% APR* for three years OR

3.50% APR* for five years

Make interest-only payments for the first 10 years

• After the initial term (one, three or five years), the APR is variable, currently 4.50% APR* based on the indexed rate as of January 1, 2018

• No annual fee

• Receive up to $500 in closing costs

Apply online at alohapacific. com or visit any APFCU branch. Call 531-3711 for more information.

*Rates effective 1/1/18 and subject to change. Program may be modified or canceled at any time. Membership ($5 in Regular Savings) required. Subject to credit approval. APR = Annual Percentage Rate. HELOC offer is a promotional rate of 0.50% APR for 12 months OR 2.50% APR for 36 months OR 3.50% APR for 60 months. After your chosen initial period, the APR is variable and subject to change, based on the Prime Rate published in the Wall Street Journal, with no added margin, and adjusted quarterly (3.75% minimum & 18.00% maximum). Program is a 10-year draw with interest-only payments and 20-year amortization period.

Maximum line: $250,000. Applies to owner-occupied properties with required homeowner’s and hurricane insurance; flood insurance required if property is located in flood zone. Maximum loan-to-value of 80% in Hawaii; maximum loan-to-value of 70% in Nevada. Estimated 3rd party fees (ALTA policy, appraisal, trust review & attorney, etc.) for a $250,000 HELOC are $250 to $3,800. APFCU offers up to $500 closing credits against all 3rd party fees with an initial draw of $10,000 or more at closing; all closing credits paid by APFCU must be reimbursed if the loan is closed before 36 months from the opening date. Some restrictions may apply. See branch for details on applicable fees, and for other available rates and terms.

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