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Start the Year with Aloha Pacific FCU’s Amazing HELOC

Screen Shot 2017-01-13 at 4.44.34 PMHappy New Year!

Now is the time to get a head start on your finances with a Home Equity Line of Credit. But don’t wait! Aloha Pacific Federal Credit Union is offering the Happiest HELOC rates, and they won’t last forever:

• 0.35% APR for the first year… and then….
• 3.50% APR for years two to five
• After 60 months, the APR is variable
• No annual fee
• Receive up to $500 in closing costs

Use the funds to consolidate higher-interest holiday bills, prepare for tax payments, home renovations, a once-ina-lifetime vacation or anything else you desire.

Save time! Apply online at or visit any APFCU branch.

Call 531-3711 for more information and see how your home’s equity can work for you.

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*Rate effective 1/1/17 & 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. See branch for more information about applicable fees & terms. Some restrictions may apply. HELOC offer is a promotional rate of 0.35% APR for 12 months, then 3.50% APR for 48 months. After 60 months, the APR is variable. The current indexed 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. Maximum line: $250,000. Applies to owner-occupied properties with required insurance. 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 $500 to $2,500. 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.

A New Year, a Fresh Start

Saving money is a great New Year’s resolution, and Aloha Pacific FCU can help.

APFCU is a full-service financial institution, with all the products and services consumers want and need. It offers savings and checking accounts, the full range of personal loans, home mortgages, realty services, online and mobile banking and much more.

Seven branches on Oahu and one in Las Vegas, in the Henderson community, are ready to assist in your financial goals.

A new, beautifully responsive website has just been launched – navigating it is a breeze on whatever device you use. Check it out at

Not a member of APFCU yet? You can be, and it’s easy. Visit any branch or go to to find out how. Call 531-3711 for more information.

Loan offers may be modified or canceled at any time. Other restrictions may apply. Membership ($5 in Regular Savings) required. Your loan approval and APR are based on credit-worthiness. See branch for details on applicable fees and terms.

Federally insured by NCUA

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