Personal Rates & Fees

Loan Rates

SPRING INTO SUMMER LOAN APR - Effective as of 05/01/2016 -[1]
Spring into Summer Loan offer [2] [3] [9] - effective 05/01/16 - 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® Gold (Annual Fee - NONE) - rates as low as [3] 8.00%
VISA® Classic Share Secured (Annual Fee - NONE) 12.00%
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 05/01/16 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 05/01/16 and may be modified or canceled at any time. Valid for loan amounts from $1,500 to $30,000. See branch for details on applicable fees, and terms, up to 48 months. For example, monthly payments on a $2,500 loan could be as low as $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 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: 

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, 05/07/16 from 6:30pm HST to 10:30pm HST
   - Saturday, 05/21/16 from 6:30pm HST to 10:30pm HST
   - Saturday, 06/04/16 from 6:30pm HST to 10:30pm HST
   - Saturday, 06/18/16 from 6:30pm HST to 10:30pm HST


Kalanet Online / Mobile Banking, KalaTalk (phone banking), Shared Branching, ATM / Debit / Credit Cards:
   - Sunday, 05/22/16 from 12:30am HST to 5:30am HST

FinanceWorks may be intermittently unavailable:

   - Monday, 05/23/16 9:00pm HST to 12:00am HST on Tuesday, 05/24/16

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

SMS (text message banking) and Email Alerts Upgrade: 04/26/16
Benefits of the Alerts Upgrade include:
 - Simplified set-up
 - More types of email and text banking alerts
 - Additional customization options
 - More timely alerts