Personal Rates & Fees

Loan Rates

HOME EQUITY LINE OF CREDIT (HELOC) [1] APR Ask About Our $500 Discount [6]Intro | Current
KalaConvenience HELOC Owner - Special Offer [7] 3.50%  |  5.00%
KalaConvenience HELOC Investor [8] 7.00%  |  7.00%
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 (Annual Fee - NONE) - rates as low as [3] 9.00%
Fixed Second Mortgage [9] rates as low as [3] 5.25%  |  5.40%
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%



[1] All rates & offers are effective 05/01/15 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. $500 discount on 3rd party fees ($500 - $1,200 estimated) for loans up to $250,000 and maximum combined loan-to-value of 80% with an initial draw of $10,000 at closing. Applies to Hawaii properties with fire, hurricane and applicable flood insurance.
[7] KalaConvenience Owner – the owner-occupant rate is fixed for 59 months at closing. After 59 months, the rate is variable based on the prevailing rate, adjusted quarterly based on the prime rate plus 1.00% as published in the Wall Street Journal (5.00% minimum & 18.00% maximum) with a 10-year draw & 30-year amortization period.
[8] KalaConvenience Investor – the 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] Rate illustrated is based on an owner-occupied principal residence at an 80% Combined Loan to Value. A sample loan payment based on $100,000 at 5.25% APR for 180 months is $803.88. Rates are based on an evaluation of credit history and CLTV (combined loan to value ratio), so your rate may differ. We will require an appraisal at a cost to you. Fixed Second Mortgage Loans are available for primary residences and second homes. Please call us for second home loan pricing. For loan amounts up to $250,000, closing costs typically range between $500 and $2,500. The closing costs depend on the location of the property and the amount of the Second Mortgage Loan.


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