Bankoh Home EquityLine

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Footnotes and Disclosures

1. The Bankoh Home EquityLine introductory Annual Percentage Rate (APR) will be effective for the first 24 or 36 months from the date your new Bankoh Home EquityLine account is opened (the "Introductory Period"). Introductory APRs of 1.00% for 12 months with automatic payments from your Bank of Hawaii personal checking or savings account, and 1.25% for 12 months, without automatic payments, are also available. Offer is valid for qualifying applications received August 1– August 31, 2016. After the Introductory Period, the APR may vary at any time and will be equal to the U.S. Prime Rate, published daily in The Wall Street Journal, plus: (i) a margin of 0.50% for a qualifying first lien or second lien behind a Bank of Hawaii first mortgage on an owner occupied fee simple property if the Combined Loan to Value (CLTV) ratio is < 70%, or (ii) a margin of 1.00% for a qualifying second lien behind a non-Bank of Hawaii first mortgage on an owner occupied fee simple property if the CLTV ratio is < 70%. For APRs calculated above, the current non-introductory fully indexed variable APR as of July 22, 2016, is (i) 4.50% for lines with a 0.50% margin, subject to the 4.50% floor rate, and (ii) 4.50% for lines with a 1.00% margin. In no event will the APR be less than 4.50% or more than 19.00% for Hawaii and 18.00% for Guam. Other fully indexed APRs are available for qualifying applications not meeting the above criteria, such as investor properties. There is a $50 annual fee. 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 $10,300 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 this introductory rate, 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.

2. Please see the Consumer Deposit Account Agreement and Disclosure Statement and Bankoh Consumer Electronic Financial Services Agreement and Disclosure Statement and Fee Schedule for Personal Checking and Savings Accounts for terms, conditions, fees, and additional restrictions that may apply.

3. Effective for applications received August 1– August 31, 2016. Available for new accounts at closing only, with a minimum $10,000 draw.

Home EquityLine Promotional Rates
Home Equity Line Promotional Rates

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Visit Any Branch and bring in a completed application:

PDF documentHawaii Application

PDF documentGuam Application


Have Questions? Connect with a loan specialist.

Added Buying Power

3.99% APR 25-Year fixed rate loan option3

Lock in all or a portion of your line at a fixed rate by selecting a Fixed Rate Loan Option.

3Click for footnotes and disclosures


Enjoy these great benefits with a Bankoh Home EquityLine

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Convenient access to funds

Borrow only what you need, when you need it using e-Bankoh Online or Mobile Banking, Bankoh by Phone or a Bankoh Home EquityLine check.

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Easy to manage repayment

Enjoy low monthly payments during the 10-year draw period. Then you'll have 15 years to fully repay the balance, or pay off sooner if you choose.


What will you use your home equity for?

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Consolidate Debt

Take advantage of the lower interest rate that a home equity line offers over conventional loans and credit cards. Consolidate your debt and make just one monthly payment.
You could save money since the interest you pay may be tax deductible (please consult a tax advisor).

girl in bedroom

Make Room

Easily manage your home renovation expenses by borrowing only what you need at the time you need it.

plate of food in kitchen

Make Your Dreams a Reality

A home equity line can provide immediate cash for the expected—like a dream kitchen—or the unexpected.

girl with graduation cap

Help Pay For Education

With lower interest rates than most credit cards, a home equity line can make large tuition payments more manageable.

Ready to APPLY?

Apply for a Bankoh Home EquityLine

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Footnotes and Disclosures

1. The Bankoh Home EquityLine introductory Annual Percentage Rate (APR) will be effective for the first 24 or 36 months from the date your new Bankoh Home EquityLine account is opened (the "Introductory Period"). Introductory APRs of 1.00% for 12 months with automatic payments from your Bank of Hawaii personal checking or savings account, and 1.25% for 12 months, without automatic payments, are also available. Offer is valid for qualifying applications received August 1– August 31, 2016. After the Introductory Period, the APR may vary at any time and will be equal to the U.S. Prime Rate, published daily in The Wall Street Journal, plus: (i) a margin of 0.50% for a qualifying first lien or second lien behind a Bank of Hawaii first mortgage on an owner occupied fee simple property if the Combined Loan to Value (CLTV) ratio is < 70%, or (ii) a margin of 1.00% for a qualifying second lien behind a non-Bank of Hawaii first mortgage on an owner occupied fee simple property if the CLTV ratio is < 70%. For APRs calculated above, the current non-introductory fully indexed variable APR as of July 22, 2016, is (i) 4.50% for lines with a 0.50% margin, subject to the 4.50% floor rate, and (ii) 4.50% for lines with a 1.00% margin. In no event will the APR be less than 4.50% or more than 19.00% for Hawaii and 18.00% for Guam. Other fully indexed APRs are available for qualifying applications not meeting the above criteria, such as investor properties. There is a $50 annual fee. 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 $10,300 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 this introductory rate, 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.

2. Please see the Consumer Deposit Account Agreement and Disclosure Statement and Bankoh Consumer Electronic Financial Services Agreement and Disclosure Statement and Fee Schedule for Personal Checking and Savings Accounts for terms, conditions, fees, and additional restrictions that may apply.

3. Effective for applications received August 1– August 31, 2016. Available for new accounts at closing only, with a minimum $10,000 draw.

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