Personal Rates & Fees

Loan Rates

LOAN SPECIALS [1] APR*
Spring New Auto Loan (Expires 04/30/14 and may be modified or canceled at any time) [9] - New Auto as low as 1.75%
Spring Used Auto Loan (Expires 04/30/14 and may be modified or canceled at any time) [9] - Used Auto as low as 2.25%
Tax & Bill Consolidation (Expires 05/31/2014 and may be modified or canceled at any time) [10] 4.50%
HOME EQUITY LINE OF CREDIT (HELOC) [1]APR* Ask About Our $500 Discount! [5]Intro | Current
KalaConvenience HELOC Owner - Special Offer [6] 3.50%  |  5.00%
KalaConvenience HELOC Investor [7] 7.00%  |  7.00%
OTHER PERSONAL [1] APR*
Personal Loan 6.50%
Overdraft Protection** 10.00%
Personal Line of Credit** 10.00%
Education / Tuition 8.00%
Home Improvement Loan 8.00%
IRA 8.00%
Savings Secured [4]*** 2.60%
VISA® Gold (Annual Fee - NONE) 9.50%
VISA® Classic / Classic Share Secured (Annual Fee - NONE) 12.00%
MORTGAGES [1] Rates | APR
Fixed Second Mortgage [8] as low as 5.50%  |  5.61%
Call us for current rates on First Mortgages ---
AUTO [1] APR*
New Auto (with further reduction offered with 20% cash down payment AND Go Green) - [2] rates as low as 3.30%
Used Auto [3] - Vehicle 3 Years Old or Less (2011-2014) rates as low as 4.95%
Used Auto [3] - Vehicle 4-6 Years Old (2008-2010) - rates as low as 5.25%

Disclaimer:

   * Loans quoted as fixed Annual Percentage Rate (APR), unless noted & subject to approval.
 ** Rate adjustable quarterly
*** Rate adjustable monthly

[1] All rates & offers are effective as shown above unless noted, subject to change & other restrictions may apply. Membership ($100 in a regular savings) required. Contact an employee for more information about applicable fees & terms.
[2] New Auto – 0.25% discount off regular rate with 20% cash down payment or Go Green. Go Green is any "hybrid" vehicle or any vehicle that gets 25+ MPG Hwy. 0.35% discount off regular rate with 20% cash down payment and Go Green vehicle.
[3] Used Auto – Rates based on vehicle's model age.
[4] Savings Secured – 2.50% above personal savings rate.
[5] 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%. Applies to Hawaii properties with fire, hurricane and applicable flood insurance.
[6] 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.
[7] 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.
[8] 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 5.50% APR for 180 months is $817.08. 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.
[9] Spring Auto Loan - Includes a 0.24% discount for automatic payment from an APFCU account. Terms vary based on vehicle age. No other APFCU discounts apply. Offer expires 04/30/2014.  
[10] Tax & Bill Consolidation Loan-$5,000 minimum and $20,000 maximum loan amount. New loans only.  No refinancing of existing APFCU loans.  Disbursements will be made payable to non-APFCU creditors, U.S Treasury or State Tax Collector.

LOGIN INSTRUCTIONS

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 Profile" after logging in.  If  you should have any questions, please call us at 531-3711.

ATTENTION KALANET ONLINE USERS: Please be advised that KalaNet Online (home banking / mobile banking) will be conducting system maintenance and will be temporarily unavailable for member's use on Saturday, 04/19/14 from 6:30pm HST to 10:30pm 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.  We apologize for any inconvenience this may cause. Thank you for your patience and understanding.

ATTENTION KALANET ONLINE BILL PAYMENT USERS:  Please be advised that KalaNet Online Bill Payment will be temporarily unavailable for member's use every Saturday, from 9:00 pm HST to 1:00 am HST on Sunday.   We apologize for any inconvenience this may cause. Thank you for your patience and understanding.

SUNSET OF CHECK WITHDRAWAL FEATURE:  Please be advised that the check withdrawal feature is no longer available via home banking. If you wish to have a check sent to you from your account, the following options are available:
   - Call our automated phone system, KalaTalk, at 808-847-5522 or toll-free at 877-847-5522
   - Call the credit union at 808-531-3711 or toll-free at 877-531-3711
   - Online Bill Payment Service (registration and checking account required for this service)