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The HELOC That's Right for You!

May 16, 2019

Hawaii's happiest HELOC just got happier. Details below.

Still looking for that right Home Equity Line of Credit?

Look to your credit union because our happy HELOC just got a lot happier:

  • 0.50% APR for one year


  • 2.75% APR for three years


  • 3.75% APR for five years
  • Make interest-only payments for the first 10 years
  • After the initial term (one, three or five years), the APR is variable -- the current indexed rate is 5.50% APR, based on the prime rate as of 12/20/18
  • No annual fee
  • Receive up to $500 in closing costs

This is THE time to consolidate high-interest debt, renovate your kitchen or bathroom, install photovoltaic panels, pay for school tuition, finally take that dream vacation. Think of the possibilities when you let your home’s equity work for you.

Save time! Click on the Apply Now button below or visit any branch. 

Apply Now 

Rates effective 12/20/18 and subject to change. Program may be modified or canceled at any time. Membership ($5 in Regular Savings) required. Subject to credit approval. HELOC provided by APFCU. APR = Annual Percentage Rate. HELOC offer is a promotional rate of 0.50% APR for 12 months OR 2.75% APR for 36 months OR 3.75% APR for 60 months. After your chosen initial period, the APR is variable and subject to change, based on the Prime Rate published in the Wall Street Journal, with no added margin, and adjusted quarterly (3.75% minimum & 18.00% maximum). Program is a 10-year draw with interest-only payments and 20-year amortization period. Maximum line: $250,000. Applies to owner-occupied properties with required homeowner’s and hurricane insurance; flood insurance required if property is located in flood zone. Maximum loan-to-value of 80% in Hawaii; maximum loan-to-value of 70% in Nevada. Estimated 3rd party fees (ALTA policy, appraisal, trust review & attorney, etc.) for a $250,000 HELOC are $250 to $3,800. 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. Some restrictions may apply. See branch for details on applicable fees, and for other available rates and terms.