APR
Our Featured Rates
Auto 2
New Auto
Effective 7/8/2024. Rates as low as 2
4.99%
Used Auto 3
Effective 9/10/2024. Rates as low as 2
5.99%
Personal
APR
Personal Term Loan - 12 months 4
Effective 7/8/2024. Rates as low as 2
8.50%
Personal Term Loan - 24 months 4
Effective 7/8/2024. Rates as low as 2
8.75%
Personal Term Loan - 36 months 4
Effective 7/8/2024. Rates as low as 2
9.00%
Personal Term Loan - 48 months 4
Effective 7/8/2024. Rates as low as 2
9.50%
Personal Term Loan - 60 months 4
Effective 7/8/2024. Rates as low as 2
9.99%
Personal Term Loan - 72 months 4
Effective 7/8/2024. Rates as low as 2
11.00%
Personal Line of Credit (Overdraft Protection optional)
Effective 7/10/2023. Rates as low as 2
13.00%
Savings Secured 5
2.55%
VISA® Classic Share Secured (No Annual Fee)
12.00%
VISA® Platinum Preferred (No Annual Fee)
Effective 12/1/2024. WSJ Prime + 4.49%. Approval and credit limit based on creditworthiness.
12.24%
VISA® Platinum Rewards (No Annual Fee)
Effective 12/1/2024. 1 reward point per $1 on purchases. WSJ Prime + 6.49%. Approval and credit limit based on creditworthiness.
14.24%
VISA® Platinum Cash Back (No Annual Fee)
Effective 12/1/2024. 1% cash back on purchases. WSJ Prime + 9.49%. Approval and credit limit based on creditworthiness.
17.24%
HELOC 6
Intro APR
Current APR
HELOC Owner-Occupant, 36-month 7
Effective 9/23/2024.
5.99%
8.50%
HELOC Owner-Occupant, 60-month 7
Effective 9/23/2024.
6.25%
8.50%
HELOC Investor/Second Home, 36 month 8
Effective 11/1/2024.
6.75%
10.00%
HELOC Investor/Second Home, 60 month 8
Effective 11/1/2024.
7.00%
10.00%
[1] All rates & offers effective 12/1/2024 unless noted; may be modified or cancelled at any time. Other rates and terms available. Restrictions may apply. Membership ($5 in a regular savings) required. APR = Annual Percentage Rate. Contact an employee for further information about applicable fees & terms.
[2] Rates based on creditworthiness.
[3] Used Auto – Terms may vary based on vehicle age and creditworthiness.
[4] Personal term loan offer valid as of 7/8/2024 and may be modified or canceled at any time. 8.50% is the lowest rate for the 12 month term. 8.75% is the lowest rate for the 24 month term. 9.00% is the lowest rate for the 36 month term. 9.50% is the lowest rate for the 48 month term. 9.99% is the lowest rate for the 60 month term. 11.00% is the lowest rate for the 72 month term. Valid for loan amounts up to $20,000. See branch for details on applicable fees, and terms, up to 72 months. Your loan approval and APR are based on credit-worthiness. Other restrictions and terms may apply.
[5] Savings Secured – 2.50% above personal savings rate, adjustable monthly.
[6] Owner-Occupant and Investor/Second Home HELOCs have no credit union closing cost, annual fee or prepayment penalty. $500 credit on 3rd party fees ($250 - $3,800 estimated) 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 opening date.
[7] HELOC Owner Occupied – Rates effective 9/23/2024 and subject to change. Program may be modified or canceled at any time. Subject to credit approval. APR = Annual Percentage Rate. HELOC offer is a promotional rate of 5.99% APR for 36 months OR 6.25% APR for 60 months. After your chosen initial period, your APR will be the Current Index Rate, which is variable based on the Prime Rate published in the Wall Street Journal with no added margin (3.75% minimum & 18.00% maximum) and subject to change quarterly. 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 65% in Nevada.
[8] HELOC Investor - Rate effective 11/1/2024 and subject to change. Program may be modified or canceled at any time. Subject to credit approval. APR = Annual Percentage Rate. This offer is an introductory rate of 6.75% APR for 36 months; or 7.00% APR for 60 months. After your chosen initial period, your APR will be the Current Indexed Rate, which is variable based on the Prime Rate published in the Wall Street Journal plus 1.50% (3.75% minimum & 18.00% maximum), with a 10-year draw, 20-year amortization period and subject to change. Maximum line: $399,000. Maximum loan-to-value of 70% in Hawaii; maximum loan-to-value of 65% in Nevada.