Picture the Possibilities...HELOC Fixed for 59 Months

Posted By: admin   Jan 12th 2013 Category: Promotions

Picture the possiblities with our Home Equity Line of Credit (HELOC). In addition to our 3.50% APR (annual percentage rate) fixed for 59 months, we upped the closing discount to $500 with initial draws of $10,000 or more!

That means you’ll have even more flexibility in financing those big-ticket projects such as kitchen or bathroom renovations, landscaping, just about anything you desire. Pay off high-interest credit-card debt; or fund your children’s college tuition.

With several access options that will simplify your life and a fantastically low rate that will save you money, our HELOC can be a smart solution for you and your family – and fund life’s many sweet possibilities!

Highlights include:
1. Check Writing - You will be able to draw on your line using a free set of checks ($1,000 minimum per draw).
2. Internet Access - You will be able to view and draw on your line through our online banking system. Simply transfer the money to your checking account, which can be accessed using your card or personal check.
3. A $500 closing cost discount may apply on 3rd party fees.

The current rate using the index and margin is only 5.00% APR (adjusted quarterly).

Our HELOC is a great complement to KalaRewards Checking, which offers our highest dividend rate. For more information, please call 808-531-3711 or visit any Aloha Pacific FCU branch.

Home Equity Line of Credit (HELOC) offer is a fixed annual percentage rate (APR) for 59 months at time of closing, effective 01/01/2015. 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 and 70% in Nevada. Membership ($5 in regular savings) required. Estimated 3rd party fees (ALTA policy, appraisal, trust review & attorney) for a $250,000 HELOC are $500 to $2,500. We offer a $500 closing credit against all 3rd party fees with a initial draw of $10,000 or more at closing. Minimum per draw is $1,000. Subject to change and other restrictions may apply. Contact an employee for more information. 



Please type in your USERNAME and PASSWORD, then press "Enter" or click the "LOGIN" button.

FIRST TIME USERS: Please type in your account number and enter the same PASSWORD as your KalaTalk (Account Info by Phone), then press the "Enter" Key or click on the "LOGIN" button. You will be prompted to change your USERNAME using 6-20 alpha, numeric, and/or special characters.  You will also be prompted to change your PASSWORD using 6-32 alpha, numeric, and/or special characters.

EXISTING USERS: If you wish to change your current USERNAME and/or  PASSWORD, go to "My Settings" after logging in.  If  you should have any questions, please call us at 531-3711.


There will be system maintenance that will cause the following services to be temporarily unavailable on the following dates and times. Thank you for your patience and understanding.:
Kalanet Online and Mobile Banking:
  - Wednesday, 12/02/15 from 8:00am to 10:00pm HST
 - Saturday, 12/12/15 from 7:30pm HST to 11:30pm HST

Online Check Ordering:
 - Every Saturday from 7:00pm HST to 12:30am HST on Sunday

Monday, 12/07/15 from 7:00pm HST to 10:00pm HST

Kalanet Online Bill Payment:

 - Tuesday, 12/08/15 from 5:00pm HST to 9:00pm HST
 - Every Saturday from 9:00pm HST to 1:00am HST on Sunday

Due to postal service delays during the holiday season, if your bill payment type is "Check", it is recommended that you set your "send" date at least 10 business days prior to the due date until January.