Personal Loan Rates & Fees

Looking to add on to your home, pay for college or buy that new car you’ve been fantasizing about? Whatever your need, as a Hawaii National Guard CU member you can always count on us to offer competitive rates.

Our Featured Rates

Auto Loans 3

APR

New Auto 3

Rates as low as 4

2.00%

Used Auto (model year 2017 & older) 5

Rates as low as 4

3.75%

Other Personal 1

APR

Personal Loan 3

Rates as low as 4

6.25%

Personal Line of Credit (Overdraft Protection optional)

Rates as low as 4

10.00%

Savings Secured 6

2.60%

VISA® Classic Share Secured (No Annual Fee)

12.00%

VISA® Platinum Preferred (No Annual Fee)

Effective 04/02/2017. Prime + 4.49%

8.49%

VISA® Platinum Rewards (No Annual Fee)

1 reward point per $1 on purchases. Effective 04/02/2017. Prime + 6.49%

10.49%

VISA® Platinum Cash Back (No Annual Fee)

1% cash back on purchases. Effective 04/02/2017. Prime + 9.49%

13.49%

Home Equity Line of Credit (HELOC) 7

Intro APR

Current APR

HELOC Owner-Occupant 7

Special Offer: Ask about our $500 discount 8

0.35%

5.00%

HELOC Investor 9

3.50%

7.00%

Bill Consolidation Loan Special

APR

Special Personal Term Loan - 12 months 10

Rates as low as 4

1.99%

Special Personal Term Loan - 24 months 10

Rates as low as 4

2.99%

Special Personal Term Loan - 36 months 10

Rates as low as 4

3.99%

Special Personal Term Loan - 48 months 10

Rates as low as 4

4.99%

Special Personal Term Loan - 60 months 10

Rates as low as 4

5.99%

Education Loan 1

APR

Education Special Loan Offer 11

Effective as of 06/01/2015. Rates as low as 3

2.75%

[1] All rates & offers effective 05/01/2017 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. Contact an employee for further information about applicable fees & terms.
[2] Accounts quoted as Annual Percentage Yield (APY) & require $5 min. balance to earn rate unless noted. Holiday – $10 min. to earn rate. Account opening Oct. 1 to Jan. 31. IRA & Coverdell – no min. to earn rate. Money Market Savings – $2,500 minimum balance to open; $10 monthly fee for Average Daily Balances below $2,500. Second Savings – no min. to earn rate. Checking – $300 min. to earn rate. KalaRewards – no min. to earn rate; $10,000 min. Aloha Pacific FCU HELOC balance for highest rate; monthly requirements: electronic statement, 10 check card transactions & 1 direct deposit / ACH. Certificates – $1,000 min. & early withdrawal penalty may be imposed.
[3] APR includes a 0.24% discount off regular rate with automatic payment from an APFCU account.
[4] Rates based on creditworthiness.
[5] Used Auto – Terms may vary based on vehicle age and creditworthiness.
[6] Savings Secured – 2.50% above personal savings rate, adjustable monthly.
[7] Primary residence HELOC has no credit union closing cost, annual fee or prepayment penalty. $500 discount on 3rd party fees ($250 - $3,800 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.
[8] HELOC 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 $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.
[9] HELOC 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.
[10] Personal term loan offer valid as of 04/01/17 and may be modified or canceled at any time. 1.99% is the lowest rate for the 12 month term. 2.99% is the lowest rate for the 24 month term. 3.99% is the lowest rate for the 36 month term. 4.99% is the lowest rate for the 48 month term. 5.99% is the lowest rate for the 60 month term. Valid for loan amounts from $1,500 to $30,000. See branch for details on applicable fees, and terms, up to 60 months. For example, monthly payments on a $2,500 loan could be as low as $210.75 for 12 months; $107.58 for 24 months; or $73.91 for 36 months; or $57.67 for 48 months; or $48.43 for 60 months. Your loan approval and APR are based on credit-worthiness. Offer includes a 0.24% discount for automatic payment from an HNGCU account. New loans only. No refinancing of existing HNGCU or APFCU loans. Other restrictions and terms may apply.
[11] Education loan offer effective 6/01/15 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 HNGCU account. New loans only. No refinancing of existing HNGCU or APFCU loans. Other restrictions may apply.