|Holly Jolly Holiday Loan offer    - effective 11/1/15 - rates as low as
|Special Loan offer   - effective 06/1/15 - rates as low as
|KalaConvenience HELOC Owner - Special Offer 
|KalaConvenience HELOC Investor 
|Personal Loan  - rates as low as 
|Personal Line of Credit - with or without Overdraft Protection - rates as low as 
|Savings Secured 
|VISA® Gold (Annual Fee - NONE) - rates as low as 
|VISA® Classic (Annual Fee - NONE) - rates as low as 
|VISA® Classic Share Secured (Annual Fee - NONE)
|Call us for current rates
|New Auto  - rates as low as 
|Used Auto  - up to 2009 model year - rates as low as 
LOAN RATES DISCLOSURE:
 All rates & offers are effective 11/01/15 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.
 APR includes a 0.24% discount off regular rate with automatic payment from an APFCU account.
 Rates based on creditworthiness.
 Used Auto – Term may vary based on vehicle age and creditworthiness.
 Savings Secured – 2.50% above personal savings rate, adjustable monthly.
 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.
 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.
 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.
 Personal term loan offer valid as of 11/01/15 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 24 months. For example, monthly payments on a $2,500 loan could be as low as $107.01 for 24 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.
 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.
Please type in your USERNAME and PASSWORD, then press "Enter" or click the "LOGIN" button.
FIRST TIME USERS: Please type in your account number and enter the same PASSWORD as your KalaTalk (Account Info by Phone), then press the "Enter" Key or click on the "LOGIN" button. You will be prompted to change your USERNAME using 6-20 alpha, numeric, and/or special characters. You will also be prompted to change your PASSWORD using 6-32 alpha, numeric, and/or special characters.
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 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 and Mobile Banking:
- Wednesday, 12/02/15 from 8:00am to 10:00pm HST
- Saturday, 12/12/15 from 7:30pm HST to 11:30pm HST
Online Check Ordering:
- Every Saturday from 7:00pm HST to 12:30am HST on Sunday
- Monday, 12/07/15 from 7:00pm HST to 10:00pm HST
Kalanet Online Bill Payment:
- Tuesday, 12/08/15 from 5:00pm HST to 9:00pm HST
- Every Saturday from 9:00pm HST to 1:00am HST on Sunday
Due to postal service delays during the holiday season, if your bill payment type is "Check", it is recommended that you set your "send" date at least 10 business days prior to the due date until January.