Click here to open or close the menu
Checking & Savings

Everyday Banking Made Easy

Lower rates, bigger dreams

Make the equity in your home work even harder. With lower Home Equity Line of Credit (HELOC) rates available, there’s no better time to consolidate debt, renovate or repair your home, and more.

1.49% Introductory APR for 24 Months1

4.50% Current Fully Indexed Variable APR2 

Apply now

father and son cooking
 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 Annual Percentage Rate ("APR") will be 1.99%.

 The Bankoh Home EquityLine introductory 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 10/16/2020-11/30/2020. 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 10/15/2020, 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 $12,000 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.

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.

Convenience Miles Checking

Standard checking account with Travel Rewards
Alt text here

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.

Insights & Stories

Leading women: Carissa Moore

I’ve created a mentorship program to meet up with girls once or twice a week to go surfing. My nonprofit organization, Moore Aloha, aims to use surfing as a platform to bring young women together.

Carissa Moore
Simplifi Mortgage

Low fixed-rate mortgage products

Low fixed-rate mortgage products
30 year 1 15 year 1 VA 30 year 1
Interest Rate 2.750% 2.250% 2.750%
Annual Percentage Rate 2.750% 2.338% 3.015%3
Points 0.000% 0.625% -0.250%
Down Payment 20% 20% 0%
Monthly Principal & Interest Payment
per $100,000 borrowed
$408.242 $655.082 $408.242

Rates as of 11/27/2020 and can change without notice. Rate is based on 45-day lock for purchase transaction.

1 Maximum loan amount $765,600
2 The information provided on this page is for informational and comparitive purposes only. Rates and terms may change at any time and without prior notice. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan to value ratio, etc. The payment examples are principal and interest only and do not include mortgage insurance, taxes and other property insurance. The actual payment will be higher if mortgage insurance is required on your loan. Your actual payment obligation will be greater considering taxes and insurance premiums.
3 APR includes a 3.60% VA funding fee.

Simplifi Mortgage

Low fixed-rate mortgage products

Interest Rate
2.750%
Annual Percentage Rate
2.750%
Points
0.000%
Down Payment
20%
Monthly Principal & Interest Payment
per $100,000 borrowed
$408.242
Interest Rate
2.250%
Annual Percentage Rate
2.338%
Points
0.625%
Down Payment
20%
Monthly Principal & Interest Payment
per $100,000 borrowed
$655.082
Interest Rate
2.750%
Annual Percentage Rate
3.015%3
Points
-0.250%
Down Payment
0%
Monthly Principal & Interest Payment
per $100,000 borrowed
$408.242

Rates as of 11/27/2020 and can change without notice. Rate is based on 45-day lock for purchase transaction.

1 Maximum loan amount $765,600
2 The information provided on this page is for informational and comparitive purposes only. Rates and terms may change at any time and without prior notice. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan to value ratio, etc. The payment examples are principal and interest only and do not include mortgage insurance, taxes and other property insurance. The actual payment will be higher if mortgage insurance is required on your loan. Your actual payment obligation will be greater considering taxes and insurance premiums.
3 APR includes a 3.60% VA funding fee.

1 Maximum loan amount $765,600
2 The information provided on this page is for informational and comparitive purposes only. Rates and terms may change at any time and without prior notice. Your actual rate, payment, terms, and costs could be different. Get an official Loan Estimate before choosing a loan. Your rate, fees, and terms may differ based on various factors such as: when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, loan to value ratio, etc. The payment examples are principal and interest only and do not include mortgage insurance, taxes and other property insurance. The actual payment will be higher if mortgage insurance is required on your loan. Your actual payment obligation will be greater considering taxes and insurance premiums.
3 APR includes a 3.60% VA funding fee.

Read more

Manage your money on the go.

Check your balance
Pay bills & deposit checks
Send money to a friend—with Zelle®
Get Cardless CashTM

Learn more

iPhone® is a registered trademark of Apple® Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. AndroidTM is a trademark of Google Inc. Google Play and the Google Play logo are trademarks of Google Inc. Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Cardless Cash is a trademark of FIS

Most Popular

Checking & Savings Package

Get checking & savings together, and take advantage of fee waivers, discounted services, preferential interest rates, and other benefits.

Convenience Checking

Regular Savings

Most Popular

Checking & Savings Package

Get checking & savings together, and take advantage of fee waivers, discounted services, preferential interest rates, and other benefits. Carissa Moore.

Convenience Checking

Regular Savings

Your privacy

We use cookies to improve your experience on our site, show you personalized content, and analyze our traffic. By continuing to use this site, you agree to our use of cookies as described in our Online Privacy Policy.

You're about to exit BOH.com

Links to other sites are provided as a service to you by Bank of Hawaii. These other sites are neither owned nor maintained by Bank of Hawaii. Bank of Hawaii shall not be responsible for the content and/or accuracy of any information contained in these other sites or for the personal or credit card information you provide to these sites.