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The HELOC That’s Right for You!

May 31, 2019

Home of Hawaii's happiest HELOC

Need to consolidate high-interest debt, renovate your kitchen or bathroom, install photovoltaic panels, pay for school tuition, finally take that dream vacation?

Our Home Equity Line of Credit can help, with options to suit your needs:

  • 1.00% APR for one year

OR

  • 3.00% APR for three years

OR

  • 4.00% 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 6/1/19
  • No annual fee
  • Receive up to $500 in closing costs

Our HELOC is your financing solution for all the big and little things life throws at you.

Save time! Click on the button below to apply now or visit any HNGCU or APFCU branch.

Call 808-531-3711 for more information.

Apply Now 

*Rates effective 6/1/19 and subject to change. Program may be modified or canceled at any time. Membership ($5 in Regular Savings) required. Subject to credit approval. APR = Annual Percentage Rate. HELOC offer is a promotional rate of 1.00% APR for 12 months OR 3.00% APR for 36 months OR 4.00% 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.