Personal Loan Rates & Fees
Looking to add on to your home, pay for college or buy that new car you’ve been dreaming about? Whatever your need, as an Aloha Pacific member you can always count on us to offer competitive rates.1
APR
Our Featured Rates
Special Personal Term Loan - 12 months
6.50%
Annual Percentage Rate
Auto 3
New Auto
Effective 1/1/2024. Rates as low as 2
4.75%
Used Auto 4
Effective 3/1/2024. Rates as low as 2
6.25%
Personal Loan – Spring Loan Special 3
APR
Special Personal Term Loan - 12 months 8
Effective 3/1/2024. Rates as low as 2
6.50%
Special Personal Term Loan - 24 months 8
Effective 3/1/2024. Rates as low as 2
8.00%
Special Personal Term Loan - 36 months 8
Effective 3/1/2024. Rates as low as 2
8.25%
Special Personal Term Loan - 48 months 8
Effective 3/1/2024. Rates as low as 2
9.00%
Special Personal Term Loan - 60 months 8
Effective 3/1/2024. Rates as low as 2
9.50%
Special Personal Term Loan - 72 months 8
Effective 3/1/2024. Rates as low as 2
10.50%
Personal
APR
Personal Loans 3
Effective 1/22/2024. Rates as low as 2
9.50%
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 8/23/2023. WSJ Prime + 4.49%.
12.99%
VISA® Platinum Rewards (No Annual Fee)
Effective 8/23/2023. 1 reward point per $1 on purchases. WSJ Prime + 6.49%.
14.99%
VISA® Platinum Cash Back (No Annual Fee)
Effective 8/23/2023. 1% cash back on purchases. WSJ Prime + 9.49%.
17.99%
For existing VISA® Gold / VISA® Classic cardholders, please refer to your statement for your APR.
Education
APR
Education Loan Special Offer, 12-month 9
Effective 7/10/2023. Rates as low as
4.75%
Education Loan Special Offer, 18-month 9
Effective 7/10/2023. Rates as low as
5.00%
HELOC 6
Intro APR
Current APR
HELOC Owner-Occupant, 36-month 7
Effective 10/3/2023.
6.875%
8.50%
HELOC Owner-Occupant, 60-month 7
Effective 10/3/2023.
7.50%
8.50%
[1] All rates & offers effective 4/1/2024 unless noted & subject to change. Other rates and terms available. Restrictions may apply. Membership ($5 in a regular savings) required. APR = Annual Percentage Rate, unless noted & subject to approval. See branch for further information about applicable fees & terms.
[2] APR includes a 0.24% discount off regular rate with automatic payment from an APFCU account, or an account of its divisions.
[3] Rates based on creditworthiness.
[4] Used Auto – Terms may vary based on vehicle age and creditworthiness.
[5] Savings Secured – 2.50% above personal savings rate, adjustable monthly.
[6] Primary residence HELOC has no credit union closing cost, annual fee or prepayment penalty. $500 credit 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.
[7] HELOC Owner Occupied – Rates effective 10/3/2023 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 6.875% APR for 36 months OR 7.50% 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 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] Personal term loan offer valid as of 3/1/2024 and may be modified or canceled at any time. 6.50% is the lowest rate for the 12 month term. 8.00% is the lowest rate for the 24 month term. 8.25% is the lowest rate for the 36 month term. 9.00% is the lowest rate for the 48 month term. 9.50% is the lowest rate for the 60 month term. 10.50% is the lowest rate for the 72 month term. Valid for loan amounts from $1,500 to $20,000. 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 $215.75 for 12 months; or $113.08 for 24 months; or $78.64 for 36 months; or $62.22 for 48 months; or $52.51 for 60 months; or $46.96 for 72 months. Your loan approval and APR are based on credit-worthiness. APR includes a 0.24% discount off regular rate with automatic payment from an APFCU account, or an account of its divisions. New loans only. No refinancing of existing APFCU loans or loans of its divisions. Other restrictions and terms may apply.
[9] Education loan offer effective 7/10/2023 and may be modified or canceled at any time. Valid for loan amounts up to $20,000. See branch for details on applicable fees and terms. Loan terms up to 18 months. 4.75% is the lowest rate for the 12 month term. 5.00% is the lowest rate for the 18 month term. Example: monthly payments on a $5,000 loan could be as low as $427.37 for 12 months; $288.84 for 18 months. Your loan approval and APR are based on credit-worthiness. APR includes a 0.24% discount off regular rate with automatic payment from an APFCU account, or an account of its divisions. New loans only. No refinancing of existing APFCU loans, or loans of its divisions. Other restrictions and terms may apply.