Personal Rates & Fees

Loan Rates

GO DO IT LOAN SALE APR - Effective as of 06/01/2015 -[1]
Special Personal Term Loan offer [2] [3] [9] - effective 06/1/15 - rates as low as 2.99%
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
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 (Annual Fee - NONE) - rates as low as [3] 9.00%
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 06/01/15 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] Personal term loan offer valid as of 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, up to 36 months. For example, monthly payments on a $5,000 loan could be as low as $145 for 36 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 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.

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ATTENTION KALANET ONLINE USERS:
KalaNet Online (home banking) will be conducting system maintenance and will be temporarily unavailable on Saturday, 07/11/15 and 07/25/15 from 6:30pm HST to 10:30pm HST and Thursday, 06/25/15 from 6:00pm to 7:00pm HST. Additional system maintenance will be performed every Saturday, from 7:00pm HST to 12:30am HST on Sunday. As a result, ordering checks will be temporarily unavailable.

Kalanet Online Bill Payment Service will be temporarily unavailable every Saturday, from 9:00pm HST to 1:00am HST on Sunday. Thank you for your patience and understanding.