Loans & Mortgages

Is Aloha Pacific a full-service financial institution?

Aloha Pacific Federal Credit Union offers savings, checking and certificate accounts, mortgages and a variety of loan products to meet your needs. The credit union also provides many other useful services. Please explore our website or call us for more information.

Do you offer consolidation loans?

Aloha Pacific Federal Credit Union offers an array of loan products. Please visit any of our branches or call us at (808) 531-3711 or (877) 531-3711 for assistance.

Do you offer pay day loans?

Aloha Pacific Federal Credit Union offers personal term loans, auto loans and VISA credit cards.

Can the credit union assist me with a student loan?

We do not offer federally funded student loans. However, please contact us for information regarding other loan options that may be available to meet your educational needs.

Do you offer student loan consolidation?

We do not offer government-insured student loans. Refer to your school's financial aid office for assistance.

Do you offer construction loans?

We do not currently offer construction loans. Please contact us at (808) 531-3711 or (877) 531-3711 or visit one of our branch locations for information about our other loan products that might assist you.

What are your current mortgage rates?

Current rates are posted in the Mortgage section. Or you may call us at (808) 531-3711 or (877) 531-3711 and ask to speak to a mortgage lending representative.

What are your loan rates for used vehicles?

Rates are listed on our Personal Loan Rates and Fees page. 

Please call us at (808) 531-3711 (or 1-877-531-3711 toll free) for additional assistance.

Can I refinance my car loan?

Please visit any of our conveniently located branches or contact us for assistance.

What does GAP Insurance cover?

Guaranteed Auto Protection (GAP) is a financial bridge between what you owe and how much it's worth.

Please call us at (808) 531-3711 or (877) 531-3711 for more information.

My vehicle is financed with the credit union. May I take the vehicle out of the state?

To request to ship a vehicle out of the state, you will be asked to complete an Authorization to Ship Automobile form.

Please visit any of our branch locations or call (808) 531-3711 (or 1-877-531-3711 toll free) for additional documentation and information requirements.

How long does it take to receive my title once I pay off my auto loan?

Upon receiving your final auto loan payment, allow for a minimum of 10 business days to receive your vehicle title.

Why is my account balance and available balance different?

There are no pre-payment penalties on auto loans financed through Aloha Pacific. Please refer to your loan documents and disclosures for any pre-payment penalties on other loans.

You may contact us at (808) 531-3711 (or 1-877-531-3711 toll free) and speak with a representative in the Consumer Loan Department for additional assistance.

How do I quality for a loan or credit card?

Granting of credit is based on a person's credit worthiness and capacity to repay his/her debts. For additional information, please call us at (808) 531-3711 (or 1-877-531-3711 toll free).

I applied for a loan online. Can I check the status?

Please call us to check the status of your online loan application. If you have previously established a user profile through the Online Application Center of Aloha Pacific FCU, you can use the "Returning Users" login box on the loan application page.

How many co-signers can I have on my loan?

Please visit any of our conveniently located branches or call us for assistance.

How will I know if I will need a co-signer? A co-signer may be an alternative to obtain a loan that may not be considered otherwise.

What do I do if my information is not updated at the credit bureau?

You may address your concerns with the credit reporting agency.

Can I make my loan payment over the phone and online?

Loan payments are accepted at Aloha Pacific Federal Credit Union branches, by telephone at (808) 531-3711 (or 1-877-531-3711), telephone banking (KalaTalk) and Online Banking.

How can I pay my loan from another bank or financial institution?

Loan payments generated from another bank or credit union must be set up through that bank/credit union. Please refer to your bank/credit union to set up your payments.

Where can I mail my loan payment?

You may mail your loan payments to:

Aloha Pacific Federal Credit Union
832 South Hotel Street
Honolulu, Hawaii 96813

I am making my last consumer loan payment. How do I obtain a payoff?

You may obtain your payoff balance by visiting any of our branches or call us at (808) 531-3711 (or 1-877-531-3711 toll free).

Is there a grace period on my consumer loan payment?

Your loan payment is due on the due date. Please visit any of our conveniently located branches or call us at (808) 531-3711 (or 1-877-531-3711 toll free) for assistance.

How do I order loan payment coupon books?

Members may visit any Aloha Pacific FCU branch to re-order loan payment coupon books, or call us at (808) 531-3711 (or 1-877-531-3711 toll free) for assistance.

Who can I call to discuss my delinquent loan?

You may contact us at (808) 531-3711 (or 1-877-531-3711 toll free) and speak with a representative in the Consumer Loan Department.

How can I refinance my home loan?

Please visit any of our conveniently located branches or call us at (808) 531-3711 (or 1-877-531-3711 toll free) for assistance.

What is the fee on a late mortgage payment?

Please visit any of our conveniently located branches or visit our website for information on Mortgage Loans.

Do you offer VA or FHA loans?

Please call our loan officers at (808) 539-0187, (808) 539-0381 or (808) 539-0383.

How can I get a mortgage pre-approval?

Please visit any of our conveniently located branches or call us at (808) 531-3711 (or 1-877-531-3711 toll free) for assistance.

What is the process for refinancing my current 1st and 2nd mortgage that I have through the credit union?

Please visit any of our conveniently located branches or call us at (808) 531-3711 (or 1-877-531-3711 toll free) for assistance.

Does the credit union offer no closing cost and no points loans?

Please visit any of our conveniently located branches or call us at (808) 531-3711 (or 1-877-531-3711 toll free) for assistance.

Are there any deals for first-time home buyers?

Please visit any of our conveniently located branches or call us at (808) 531-3711 (or 1-877-531-3711 toll free) for assistance.

Can I be notified when mortgage/refinance rates are updated?

Please visit any of our conveniently located branches or call us at (808) 531-3711 (or 1-877-531-3711 toll free) for assistance.

Can I roll my closing fees into my loan?

Please visit any of our conveniently located branches or call us at (808) 531-3711 (or 1-877-531-3711 toll free) for assistance.

What are closing costs?

Closing costs are fees paid by the mortgage borrower (loan fees, discount points, title insurance, appraisal fees, credit report, recording fees, etc.).

Please visit any of our conveniently located branches or call us at (808) 531-3711 (or 1-877-531-3711 toll free) for assistance.

Does the credit union offer Home Equity Line of Credit and Home Improvement Loans?

Aloha Pacific FCU offers Home Equity Line of Credit (HELOC) and Home Improvement Loans. Please visit any of our conveniently located branches or call us at (808) 531-3711 (or 1-877-531-3711 toll free).

How do I sign up for an Overdraft Line of Credit?

A credit application and approval is required for an overdraft line of credit account. You can apply online by visiting our Personal Loans page, or stop by one of our convenient branch locations.

Are there any fees associated with the overdraft line of credit account?

There are no annual fees and no pre-payment penalties. Late payment fees do apply.

What do you offer for credit cards?

Aloha Pacific Federal Credit Union offers VISA® Platinum credit cards, accepted worldwide. Please visit the Credit Cards area on our website for additional information, or stop by one of our convenient branches.

Can I use VISA® Credit card at an ATM?

You may obtain cash advances from any ATM that bears the logo of VISA®.

Does the credit union have a reward program on VISA® Credit cards?

Aloha Pacific Federal Credit Union offers a reward program called Aloha Pacific Rewards. You earn 1 point for every $1 purchase using your Aloha Pacific Federal Credit Union VISA® Platinum Rewards credit card. Your points may be redeemed for gifts or travel. For additional information, please visit dreampoints.com/alohapacificrewards.

Where do I send my VISA® Credit Card payments?

Your VISA® Credit Card payments may be made at any of our branch locations or you may mail payments to:

VISA
P.O. Box 672051
Dallas, TX 75267-2021

Do you process credit card limit increase requests online?

You may be able to apply for an increase online. Upon receiving and reviewing your application, our loan office will contact you for additional information.

How do I request a MasterCard Credit Card?

We do not currently offer MasterCard Credit Cards.

You may apply for an Aloha Pacific Federal Credit Union VISA® Platinum Credit Card by visiting any of our branch locations or contact us for assistance. Or apply online in our Credit Cards section.

If a member is under the age of 18, can he/she apply for a loan, VISA® credit card or overdraft protection?

Members must be at least 18 years of age to apply for credit at Aloha Pacific Federal Credit Union.

How do I dispute an unauthorized charge on my VISA® credit card?

Call VISA®'s Customer Service at 1-800-442-4757 to report unauthorized charges. You may file a dispute claim on a VISA® transaction that you did not perform or one with which you do not agree.

Will I receive a tax statement? (i.e. 1099-INT, 1098, etc.)

Did you receive more than $10 in dividends for your account(s) or paid $600 or more of interest on a Home Equity Line of Credit (HELOC)?

To check the YTD (Year To Date) Dividends you received or the total mortgage interest you paid, please refer to your December account statement.

If you enrolled for Online eStatements before December 15, a copy of your electronic tax statements will be available to print/download through Online Banking. Otherwise, a copy of your tax statement(s) will be delivered to you if you receive printed statements by mail.

ADDITIONAL NOTES

• If you maintain multiple account numbers, you receive a 1099-INT for each account that earned more than $10 in dividends.
• You will not receive a 1099-INT tax statement if the dividends you received on an account was $10 or less.
• You will not receive a 1098 tax statement if you paid less than $600 of interest on a HELOC.
• If you obtained a mortgage loan through APFCU, your mortgage is being serviced by CUSO of Hawaii Services. For more information and assistance, visit the CUSO of Hawaii Services website or call 808-539-0172 (U.S. toll free, 1-800-708-2876).
• You can log into Online Banking by going to alohapacific.com and enter your login credentials in the Sign In box. Click on 'Online eStatements' to download and print your tax statement(s).
• If you closed your Aloha Pacific account or paid off your HELOC before December 31, please refer to the last statement you received.