Banking Products

Resources

WE'RE ALWAYS OPEN

1-888-643-3888

Call toll-free, 24x7
Calculate Your Payments

Current Loans & Lines Rates

Offering great products at great rates – with the level of service you can expect from one of America’s Best Banks*.

Product Term Annual Percentage Rate (APR) Daily Periodic Rate Estimated Minimum Monthly Payment
Bankoh Home
EquityLine


Visit Any Branch and bring in a completed application:

Hawaii Application
Guam Application
10 year draw,
15 year repayment
Introductory APR:
1.00% for the first
12 months1
With automatic payment from your Bank of Hawaii personal checking or savings account2
Without automatic payments, the APR will be 1.25% for the first 12 months.1
0.002740%



0.003425%
$8.223
per $10,000 borrowed


$10.273
per $10,000 borrowed
Introductory APR:
1.75% for the first
24 months1
With automatic payment from your Bank of Hawaii personal checking or savings account2
Without automatic payments, the APR will be 1.95% for the first 24 months.1
0.004795%



0.005342%
$14.383
per $10,000 borrowed


$16.033
per $10,000 borrowed
Current APR:
4.50% current fully
indexed variable APR
as of June 1, 2015 subject to the 4.50% floor rate1
0.012329% During Draw Period:
$36.993
per $10,000 borrowed
0.012329% During Repayment Period:
$92.593
per $10,000 borrowed
Bankoh Personal Loan
(Unsecured)


36 months4 7.00% - 14.50%5 - At 7.00% APR:
$308.776
per $10,000 borrowed
At 14.50% APR:
$344.2167
per $10,000 borrowed
60 months4 8.00% - 15.50%5 - At 8.00% APR
$202.768
per $10,000 borrowed
At 15.50% APR
$240.539
per $10,000 borrowed
Bankoh Personal FlexLine10


2 year draw period 9.25% - 16.00%11 0.025342%
-
0.043836%
At 9.25% APR
$36.0512
per $2,000 borrowed
At 16.00% APR
$47.1412
per $2,000 borrowed
Bankoh CoverCheck10
N/A 15.25%13 0.041781% At 15.25% APR
$8.3314
per $250 borrowed
  1. The Bankoh Home EquityLine introductory Annual Percentage Rate (APR) will be effective for the first 12 or 24 months, from the date your new Bankoh Home EquityLine account is opened (the “Introductory Period”). Offer is valid for qualifying applications received June 1 – July 31, 2015. 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 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 combined loan-to-value is < 70%. For APRs calculated in (i) or (ii) above, the current non-introductory fully indexed variable APR as of June 1, 2015, subject to the 4.50% floor rate, is 4.50%. 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 flood hazard zone) insurance on the property that secures the home equity account located in Hawaii or fire, typhoon, and flood (if in 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 9 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 to checking and savings accounts.
  3. Your Bankoh Home EquityLine minimum monthly payments during the draw period consist of interest and fees, if applicable, and do not include principal. At the end of the draw period, any remaining principal will be amortized over the 15 year repayment period and your monthly payments will be equal to 0.556% of the principal balance at the start of the repayment period, plus accrued interest. The minimum payments calculated above are based on 30 days of accrued interest.
  4. APR is subject to credit qualifications.
  5. Shorter terms available.
  6. Based on a $10,000 fully amortized 36 month loan at 7.00% APR.
  7. Based on a $10,000 fully amortized 36 month loan at 14.50% APR.
  8. Based on a $10,000 fully amortized 60 month loan at 8.00% APR.
  9. Based on a $10,000 fully amortized 60 month loan at 15.50% APR.
  10. There is an annual fee of $25.
  11. The Annual Percentage Rate (APR) as of June 1, 2015 may vary at any time and will be equal to the U.S. Prime Rate, published daily in The Wall Street Journal, plus a margin from 6.00% - 12.75%.
  12. Personal FlexLine monthly payment will be equal to 1.042% of the principal balance, plus accrued interest and fees, if applicable. The minimum payments calculated above are based on 30 days of accrued interest.
  13. The Annual Percentage Rate (APR) as of June 1, 2015 may vary at any time and will be equal to the U.S. Prime Rate, published daily in The Wall Street Journal, plus a margin of 12.00%, or is fixed at 15.25% in Palau.
  14. CoverCheck monthly payment will be equal to 2.08% of the principal balance plus accrued interest and fees, if applicable. The minimum payment calculated above is based on 30 days of accrued interest.
*Forbes Magazine, December 22, 2014 - Forbes.com

**Please see the Consumer Deposit Account Agreement and Disclosure Statement and Bankoh Consumer Electronic Financial Services Agreement and Disclosure Statement for terms and conditions, fees, and additional restrictions that may apply.

Subject to change without notice.