The New HELOC You've Been Waiting For

Posted By: admin   Jan 12th 2013 Category: Promotions

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.


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

FIRST TIME USERS: Please click "New User? Enroll Here" and complete the registration form.

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 808-531-3711 or toll-free at 877-531-3711.


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:
   - Saturday, 09/10/16 from 6:30pm HST to 10:30pm HST
   - Saturday, 09/24/16 from 6:30pm HST to 10:30pm HST

KalaNet Online and Mobile Banking New User Registration:
   - Wednesday, 08/24/16 from 3:00pm HST to 7:00pm HST

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

Kalanet Online Bill Payment:
 - Every Saturday from 9:00pm HST to 2:00am HST on Sunday