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Holiday Loan Special

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Need Some Extra Dough For the Holidays?

Let’s start planning before the holidays begin!

This season, you can take advantage of our Holiday Loan Special and borrow up to $10,000…

Our personal loans come with endless options, both in what you can purchase, and how they work. Pay off debt, purchase gifts, or even if you want to treat yourself to something nice…. No matter what your dream or problem, we want to help you along the way.

This variable rate line-of-credit provides homeowners with the opportunity to use the equity in their primary residence to obtain a credit limit of up to $300,000 (subject to the loan-to-value ratio, not exceeding 80% or 90%). The convenience of writing checks is available.

Initial advance of $10,000, no annual fees.

  • *PERSONAL LOAN | Annual Percentage Rate. Other rates, options, and terms are available. Other terms, conditions, and restrictions may apply. Visit any branch for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion, terms, and rates are subject to change without prior notice. The loan rate advertised is an “A” Tier loan rates in our Multi-Tiered Loan Rate Program. Monthly payment and loan amount shown is an estimate. Actual payment, loan amount, and tier received will depend on creditworthiness. Payment example for $1000.00: 1 YEAR- 11 monthly payments of $84.69 and 1 final estimated payment of $84.66; 2 YEAR- 23 monthly payments of $43.42 and 1 final estimated payment of $43.36. Offer expires 1/31/20. Federally insured by NCUA.

     

    HELOC SPECIAL | *The Introductory Annual Percentage Rate (APR) will be effective for the first 24 or 36 months from the date your new Home Equity Line Of Credit (HELOC) account is opened (the “Introductory Period”). LTV= Loan to Value. Credit limit is subject to your loan-to-value ratio. Offer is valid for qualifying applications to new Home Equity Lines of Credit. The initial intro rate advance must be $10,000.00 or more. Payment example based on $10,000- 2.00% Introductory Rate is 24 payments of $100.00, 3.00% Introductory Rate is 36 payments of $100.00. After the Introductory Period, the rate will adjust to the standard annual-adjustable interest rate in accordance with your Home Equity Credit Agreement. The current non-introductory fully indexed variable APR is 5.50% for 80% Loan-To-Value or 6.25% for 90% Loan-to-Value; rate applicable 4/1/2019 through 3/31/2020. Thereafter, the Annual Adjustable Rate will adjust in accordance with the terms of your Credit Agreement and in no event shall the APR be less than 4.00% or greater than 18.00%. Payment example based on $10,000- Annual Adjustable at 5.50% is 134 payments of $100.00 and 1 estimated final payment of $10.61; 6.25% is 135 payments of $103.00 and 1 estimated final payment of $67.98. The initial advance must be $10,000 or more. Other conditions and restrictions may apply. Any existing junior liens from financial institutions other than PHFCU must be paid off and may be paid by an initial draw from the new Home Equity Line of Credit account. Visit any of our branches for more information. May not be used for a business loan. Borrower must be 18 years of age or older. Promotion is subject to change or cancellation without prior notice. Only improved owner-occupant properties on Oahu accepted as collateral. You must maintain fire, hurricane, and flood (if in flood hazard zone) insurance on the property which secures your Home Equity Line of Credit. PHFCU must be listed as a loss payee on the Home Insurance policies. There are no points, pre-payment penalties, or annual fees. Closing Cost Fees that may be incurred: title insurance fee, document preparation fee, SRA\appraisal fee, tax verification fee, trust review fee, recording fees, application fee, or flood verification fee. Closing cost fees incurred will be dependent on amount borrowed and will vary based on member’s situation. Total HELOC loan amount received, rate, and terms are subject to credit approval. NMLS# 472169. Equal Housing Lender. Federally insured by NCUA.