Personal Rates & Fees

Loan Rates

HOLIDAY LOAN APR - Effective as of 11/01/2016 -[1]
Special Personal Term Loan - 12 months [2] [3] [9] - rates as low as 1.99%
Special Personal Term Loan - 24 months [2] [3] [9] - rates as low as 2.25%
Special Personal Term Loan - 48 months [2] [3] [9] - rates as low as 3.25%
EDUCATION LOAN APR - Effective as of 06/01/2015 -[1]
Special Loan offer [3] [10] - effective 06/1/15 - rates as low as 2.75%
HOME EQUITY LINE OF CREDIT (HELOC) [1] APR Ask About Our $500 Discount [6]Intro | Current
KalaConvenience HELOC Owner - Special Offer [7] 0.35%  |  5.00%
KalaConvenience HELOC Investor [8] 3.50%  |  7.00%
OTHER PERSONAL [1] APR
Personal Loan [2] - rates as low as [3] 6.25%
Personal Line of Credit - with or without Overdraft Protection - rates as low as [3] 10.00%
Savings Secured [5] 2.60%
VISA® Classic Share Secured - No Annual Fee 12.00%
VISA® Classic/VISA® Gold - No Annual Fee - Refer to your VISA® statement for rates ---
VISA® Platinum Preferred - No Annual Fee - Prime + 4.49% 7.99%
VISA® Platinum Rewards - 1 reward point per $1 on purchases - No Annual Fee - Prime + 6.49% 9.99%
VISA® Platinum Cash Back - 1% cash back on purchases - No Annual Fee - Prime + 9.49% 12.99%
MORTGAGES [1]
Call us for current rates ---
AUTO [1] APR
New Auto [2] - rates as low as [3] 2.00%
Used Auto [2] - up to 2009 model year - rates as low as [4] 3.75%

Disclaimer:

LOAN RATES DISCLOSURE:

[1] All rates & offers are effective 12/01/16 unless noted, subject to change & other restrictions may apply. Membership ($5 in a regular savings) required. APR = Annual Percentage Rate, unless noted & subject to approval. See branch for more information about applicable fees & terms.
[2] APR includes a 0.24% discount off regular rate with automatic payment from an APFCU account.
[3] Rates based on creditworthiness.
[4] Used Auto – Term may vary based on vehicle age and creditworthiness.
[5] Savings Secured – 2.50% above personal savings rate, adjustable monthly.
[6] Primary residence HELOC has no credit union closing cost, annual fee or prepayment penalty.
[7] KalaConvenience Owner Occupied – Rate effective 12/13/15 & subject to change. Subject to credit approval. 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 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. 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. for loan-to-value greater than 80% in Hawaii and 70% in Nevada, the index rate is based on the prime rate published in the Wall Street Journal, plus 2.00% adjusted quarterly; the current rate would be 5.50%. 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.
[8] KalaConvenience Investor – Rate effective 12/13/15 & subject to change. Subject to credit approval. Maximum loan-to-value is 40%. This offer is a promotional rate of 3.50% APR for 60 months. After 60 months, the APR is variable. The current investor property rate is adjusted quarterly based on the prime rate plus 2.00% as published in the Wall Street Journal (7.00% minimum &18.00% maximum) with a 10-year draw & 30-year amortization period.
[9] Personal term loan offer valid as of 11/01/16 and may be modified or canceled at any time. 1.99% is the lowest rate for the 12 month term. 2.25% is the lowest rate for the 24 month term. 3.25% is the lowest rate for the 48 month term. Valid for loan amounts from $1,500 to $30,000. See branch for details on applicable fees, and terms, up to 48 months. Example: monthly payments on a $2,500 loan could be as low as $210.75 for 12 months; or $106.73 for 24 months; or $55.69 for 48 months. Your loan approval and APR are based on credit-worthiness. Offer includes a 0.24% discount for automatic payment from an APFCU account. New loans only. No refinancing of existing APFCU loans. Other restrictions and terms may apply.
[10] Education loan offer effective 06/01/15 and may be modified or canceled at any time. Valid for loan amounts from $1,500 to $20,000. See branch for details on applicable fees and terms. Loan terms up to 18 months. Example: monthly payments on a $5,000 loan could be as low as $284.21 for 18 months. Your loan approval and APR are based on credit-worthiness. Additional 0.24% discount offered for automatic payment from an APFCU account. New loans only. No refinancing of existing APFCU loans. Other restrictions may apply.

LOGIN INSTRUCTIONS

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.

ATTENTION KALANET ONLINE USERS: 

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 / Mobile Banking, KalaTalk (phone banking), Shared Branching, ATM / Debit / Credit Cards:
 - Sunday, 12/11/16 from 12:00am HST to 6:00am 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

KalaNet Online Bill Payment Holiday Mail Reminder:

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

ATTENTION MOBILE APP USERS - EyePrint ID
Please be advised that the EyePrint ID feature is no longer supported for the Samsung Galaxy Note 7, due to the recall of this model

Please also be advised that, due to a change made 
by Apple regarding the image format for the new models of iPhone, EyePrint ID is currently not compatible with Apple iPhone 7 and 7 Plus models. 

Therefore, end users with iPhone 7 and 7 Plus will be unable to enroll EyePrint ID on their device and will receive a message explaining that their mobile device is unsupported. We will let you know as soon as this issue has been resolved. Thank you.

Turbo Tax Online
Great news!  A convenient and secured link to Turbo Tax Online is now available through the online banking service. Simply click on the Turbo Tax link after logging in to your account to review more details about this service.  Fees may apply depending on what version you choose.