Aloha Pacific Federal Credit Union’s new Home Equity Line of Credit, offering an extraordinary first-year rate, might be the long-term financing solution you’ve been looking for.
Good news! After the first year, you then have four more years at a very competitive rate.
Last-minute holiday gifts or celebrations? That vacation of a lifetime? New appliances? Home renovations? Tuition? Pay off high-interest debts? All these and more, all the big and little things that life throws at you, are possible with this incredible HELOC offer:
- 0.35% APR for the first year… and then….
- 3.50% APR for years 2 through 5
- After 60 months, the APR is variable
- No annual fee
- Receive up to $500 in closing costs
Visit any APFCU branch, call 531-3711 or click on the APPLY NOW button below – and see how your home’s equity can work for you!
*Rate effective 6/1/16 & 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.