Personal Loan Rates & Fees

[1] All rates & offers effective 09/01/2018 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. 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 or HNGCU 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.  All closing credits paid by APFCU must be reimbursed if the loan is closed before 36 months from the opening date.
[8] HELOC Owner Occupied – Rates effective 6/14/18 & subject to change. Program may be modified or canceled at any time. Subject to credit approval. APR = Annual Percentage Rate. See branch for more information about applicable fees & terms. Some restrictions may apply. HELOC offer is an introductory rate of 0.50% APR for 12 months OR 2.50% APR for 36 months OR 3.50% 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% min. & 18.00% max).  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 insurance (fire, hurricane and applicable flood insurance).  Maximum loan-to-value of 80% in Hawaii; maximum loan-to-value of 70% in Nevada.
[9] HELOC Investor – Rate effective 6/14/18 & subject to change. Subject to credit approval. Maximum loan-to-value is 80%. This offer is an introductory rate of 3.00% APR for 12 months; or 4.00% for 36 months; or 5.00% for 60 months. After the introductory period, the APR is variable. The current investor property rate is adjusted quarterly based on the prime rate plus 1.50% as published in the Wall Street Journal (3.75% minimum &18.00% maximum) with a 10-year draw & 20-year amortization period.
[10] Personal term loan offer valid as of 06/01/18 and may be modified or canceled at any time. 1.99% is the lowest rate for the 12 month term. 4.75% is the lowest rate for the 24 month term.  5.25% is the lowest rate for the 36 month term. 5.75% is the lowest rate for the 48 month term. 6.25% is the lowest rate for the 60 month term. 6.75% is the lowest rate for the 72 month term. Valid for loan amounts from $1,500 to $30,000. See branch for details on applicable fees, and terms, up to 72 months. Example: monthly payments on a $2,500 loan could be as low as $210.76 for 12 months; or $109.62 for 24 months; or $75.38 for 36 months; or $58.57 for 48 months; or $48.76 for 60 months; or $42.45 for 72 months. Your loan approval and APR are based on credit-worthiness. Offer includes a 0.24% discount for automatic payment from an APFCU, OTSECU or HNGCU account. New loans only. No refinancing of existing APFCU, OTSECU or HNGCU 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 APFCU, OTSECU or HNGCU account. New loans only. No refinancing of existing APFCU, OTESCU or HNGCU loans. Other restrictions may apply.