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Get started today with a Bankoh HomeEquity Line (HELOC)

Fix your home with a new kitchen or bathroom, pay for tuition or consolidate debt and make low monthly payments.

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loans & lines

Bankoh Home EquityLine

Bankoh Home EquityLine
24 Months 1 36 Months 1 48 Months 1
Introductory APR 2.00% 2 2.75%2 3.50%2
Current Fully Indexed Variable APR 4.50% 1 4.50%1 4.50%1

The Bankoh Home EquityLine introductory Annual Percentage Rate ("APR") will be effective for the first 24, 36 or 48 months from the date your new Bankoh Home EquityLine account is opened (the "Introductory Period"). Offer is valid for qualifying applications received 6/1/2020-6/15/2020. After the Introductory Period, the APR may vary at any time and will be equal to the U.S. Prime Rate, published in the Money Rates section of The Wall Street Journal, plus a margin of 0.50% for a qualifying second lien behind a Bank of Hawaii first mortgage on an owner occupied fee simple property if the Combined Loan to Value ratio is ≤ 70%. For introductory APRs provided above, the current non-introductory fully indexed variable APR, as of 5/18/2020, is 4.50%, subject to the 4.50% floor rate, for lines with a 0.50% margin. Other fully indexed APRs are available for qualifying applications ranging from 4.50% - 5.00%, subject to the 4.50% floor rate, for margins ranging from 0.00% to 1.75%, respectively. In no event will the APR be less than 4.50% or more than 19.00% for properties located in the State of Hawaii and 18.00% for properties located in the territory of Guam. There is a $50 annual fee. Payments to third parties of certain fees, which generally total between $0 and $5,500 for Hawaii ($1,100 - $7,100 for Guam) may be required at closing. Any existing junior liens you may have must be paid off and may be paid by an initial draw from the new line of credit. The initial advance must be $11,000 or more (applicable for Guam only). Property that will secure your home equity account must be located in the State of Hawaii or territory of Guam. You must also maintain fire, hurricane, and flood (if in a flood hazard zone) insurance on the property that secures the home equity account located in Hawaii or fire, typhoon, and flood (if in a flood hazard zone) insurance on the property that secures the home equity account located in Guam. If you have an existing Bank of Hawaii home equity line account, it will not be eligible for these introductory APRs, unless (1) your account has been paid off and closed at least 6 months prior to submitting a new application, or (2) your existing Bank of Hawaii home equity line’s draw period is scheduled to end within the next 12 months and a new application is submitted. Certain requirements and restrictions may apply. Subject to change. Loan approval is required. See the Bankoh Home EquityLine Application Disclosures and all current addenda for terms and conditions.

With automatic payments from your Bank of Hawaii personal checking or savings account.  Please see your deposit account agreement, disclosures, and fee schedule for terms, conditions, fees, and additional restrictions that may apply. Without automatic payments, the APR will be 2.50%, 3.25% or 4.00% for the first 24, 36 or 48 months, respectively.

loans & lines

Bankoh Home EquityLine

Introductory APR
2.00% 2
Current Fully Indexed Variable APR
4.50% 1
Introductory APR
2.75%2
Current Fully Indexed Variable APR
4.50%1
Introductory APR
3.50%2
Current Fully Indexed Variable APR
4.50%1

The Bankoh Home EquityLine introductory Annual Percentage Rate ("APR") will be effective for the first 24, 36 or 48 months from the date your new Bankoh Home EquityLine account is opened (the "Introductory Period"). Offer is valid for qualifying applications received 6/1/2020-6/15/2020. After the Introductory Period, the APR may vary at any time and will be equal to the U.S. Prime Rate, published in the Money Rates section of The Wall Street Journal, plus a margin of 0.50% for a qualifying second lien behind a Bank of Hawaii first mortgage on an owner occupied fee simple property if the Combined Loan to Value ratio is ≤ 70%. For introductory APRs provided above, the current non-introductory fully indexed variable APR, as of 5/18/2020, is 4.50%, subject to the 4.50% floor rate, for lines with a 0.50% margin. Other fully indexed APRs are available for qualifying applications ranging from 4.50% - 5.00%, subject to the 4.50% floor rate, for margins ranging from 0.00% to 1.75%, respectively. In no event will the APR be less than 4.50% or more than 19.00% for properties located in the State of Hawaii and 18.00% for properties located in the territory of Guam. There is a $50 annual fee. Payments to third parties of certain fees, which generally total between $0 and $5,500 for Hawaii ($1,100 - $7,100 for Guam) may be required at closing. Any existing junior liens you may have must be paid off and may be paid by an initial draw from the new line of credit. The initial advance must be $11,000 or more (applicable for Guam only). Property that will secure your home equity account must be located in the State of Hawaii or territory of Guam. You must also maintain fire, hurricane, and flood (if in a flood hazard zone) insurance on the property that secures the home equity account located in Hawaii or fire, typhoon, and flood (if in a flood hazard zone) insurance on the property that secures the home equity account located in Guam. If you have an existing Bank of Hawaii home equity line account, it will not be eligible for these introductory APRs, unless (1) your account has been paid off and closed at least 6 months prior to submitting a new application, or (2) your existing Bank of Hawaii home equity line’s draw period is scheduled to end within the next 12 months and a new application is submitted. Certain requirements and restrictions may apply. Subject to change. Loan approval is required. See the Bankoh Home EquityLine Application Disclosures and all current addenda for terms and conditions.

With automatic payments from your Bank of Hawaii personal checking or savings account.  Please see your deposit account agreement, disclosures, and fee schedule for terms, conditions, fees, and additional restrictions that may apply. Without automatic payments, the APR will be 2.50%, 3.25% or 4.00% for the first 24, 36 or 48 months, respectively.

The Bankoh Home EquityLine introductory Annual Percentage Rate ("APR") will be effective for the first 24, 36 or 48 months from the date your new Bankoh Home EquityLine account is opened (the "Introductory Period"). Offer is valid for qualifying applications received 6/1/2020-6/15/2020. After the Introductory Period, the APR may vary at any time and will be equal to the U.S. Prime Rate, published in the Money Rates section of The Wall Street Journal, plus a margin of 0.50% for a qualifying second lien behind a Bank of Hawaii first mortgage on an owner occupied fee simple property if the Combined Loan to Value ratio is ≤ 70%. For introductory APRs provided above, the current non-introductory fully indexed variable APR, as of 5/18/2020, is 4.50%, subject to the 4.50% floor rate, for lines with a 0.50% margin. Other fully indexed APRs are available for qualifying applications ranging from 4.50% - 5.00%, subject to the 4.50% floor rate, for margins ranging from 0.00% to 1.75%, respectively. In no event will the APR be less than 4.50% or more than 19.00% for properties located in the State of Hawaii and 18.00% for properties located in the territory of Guam. There is a $50 annual fee. Payments to third parties of certain fees, which generally total between $0 and $5,500 for Hawaii ($1,100 - $7,100 for Guam) may be required at closing. Any existing junior liens you may have must be paid off and may be paid by an initial draw from the new line of credit. The initial advance must be $11,000 or more (applicable for Guam only). Property that will secure your home equity account must be located in the State of Hawaii or territory of Guam. You must also maintain fire, hurricane, and flood (if in a flood hazard zone) insurance on the property that secures the home equity account located in Hawaii or fire, typhoon, and flood (if in a flood hazard zone) insurance on the property that secures the home equity account located in Guam. If you have an existing Bank of Hawaii home equity line account, it will not be eligible for these introductory APRs, unless (1) your account has been paid off and closed at least 6 months prior to submitting a new application, or (2) your existing Bank of Hawaii home equity line’s draw period is scheduled to end within the next 12 months and a new application is submitted. Certain requirements and restrictions may apply. Subject to change. Loan approval is required. See the Bankoh Home EquityLine Application Disclosures and all current addenda for terms and conditions.

With automatic payments from your Bank of Hawaii personal checking or savings account.  Please see your deposit account agreement, disclosures, and fee schedule for terms, conditions, fees, and additional restrictions that may apply. Without automatic payments, the APR will be 2.50%, 3.25% or 4.00% for the first 24, 36 or 48 months, respectively.

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Now is a great time to stop dreaming and start doing.

Fixed Rate Loan Option Special

4.25%3 APR for 30 years

Enjoy low, fixed payments to cover many types of expenses to help your dreams become reality. 

3Applicable for HELOC applications received 6/1/2020 - 6/15/2020. Available for new accounts and line increases, with a minimum amount of $10,000 at loan closing only. The 30 year FRLO may only be obtained at loan closing. The monthly payment for a 30-year Fixed Rate Loan Option ("FRLO") is approximately $49.19 per $10,000 borrowed (360 monthly payments of principal and interest).
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Why Choose a Bankoh Home EquityLine

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Special, low fixed rate
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Hawaii's #1 lender*
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No bank closing costs 4
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Trusted Lender

#1 in total dollars and numbers of loans made in the State of Hawaii*

*#1 Residential Lender ranking is for total number of residential loans and total dollars made by a lender in the State of Hawaii in 2019. Information compiled by Title Guaranty derived from Hawaii Bureau of Conveyances tax data recorded information for 2019. Information is deemed reliable but not guaranteed.

Waived bank closing costs include $125 mortgage documentation fee, $75 trust review fee, and $75 condominium review fee (not applicable in Guam). If escrow is required, we will provide a credit of up to $175 to offset escrow fees related to paying off existing liens. Payments to third parties for certain fees, which generally total between $0 and $5,500 for Hawaii ($1,100 - $7,100 for Guam) may be required at closing, and are not waived as part of this offer.

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