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A Fresh Start with APFCU’s Home Equity Line of Credit

It’s the financing solution you’ve been looking for

Happy New Year!

It’s a great time to take stock of what you accomplished in 2019 and set goals for 2020. Renovations? Landscaping? Photovoltaic panels? That long-wished-for exotic getaway? Or maybe you need to consolidate the debts of the holiday season.

Look to Aloha Pacific FCU’s popular Home Equity Line of Credit for your financing needs. It offers the options to suit your needs:

• 1.00% APR* for one year OR

• 3.00% APR* for three years OR

• 4.00% 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 4.75% APR* based on the indexed rate as of January 1, 2020

• No annual fee

• Receive up to $500 in closing costs

Save time by applying online at or visit any APFCU branch. Call 808-531-3711 for more information.

And have a great new year!

*Rates effective 1/1/20 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. After your chosen initial promotional 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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