There’s Still Time to Apply for Aloha Pacifi c’s HELOC
Demand has been extraordinary for Aloha Pacific Federal Credit Union’s extraordinary Home Equity Line of Credit, so the deadline has been extended for a few months.
This HELOC, which features an amazing first-year rate and then a very competitive rate for the next four years, could be the long-term solution you’ve been looking for to finance home renovations, landscaping, a photovoltaic system, school tuition, early holiday shopping – it’s all up to you.
This offer includes: • 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 Save time! Apply online at alohapacific.com; or visit any APFCU branch. Call 531-3711 for more information and see how your home’s equity can work for you.
About Aloha Pacific FCU
Aloha Pacific Federal Credit Union has been assisting in the financial goals of its members for nearly 80 years.
A not-for-profit financial institution, APFCU has all the products and services consumers want and need, including savings and checking accounts, auto and personal loans, mortgages and more.
In addition, APFCU offers special Family Day movie screenings, a Member Appreciation Day at the 50th State Fair and other benefits.
Seven branches on Oahu and one in Henderson, Nevada, are ready to serve members’ needs.
Rate effective 8/1/16 & 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.