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Current Loans & Lines Rates

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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** account.
Free Checking† is available
0.002740% $8.222
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** account.
Free Checking† is available
0.004795% $14.382
per $10,000 borrowed
Current APR:
4.50% current fully
indexed variable APR
as of February 1, 2015 subject to the 4.50% floor rate1
0.012329% During Draw Period:
$36.992
per $10,000 borrowed
0.012329% During Repayment Period:
$92.592
per $10,000 borrowed
Bankoh Personal Loan
(Unsecured)


36 months4 7.00% - 14.50%3 - At 7.00% APR:
$308.7755
per $10,000 borrowed
At 14.50% APR:
$344.2166
per $10,000 borrowed
60 months4 8.00% - 15.50%3 - At 8.00% APR
$202.767
per $10,000 borrowed
At 15.50% APR
$240.5388
per $10,000 borrowed
Bankoh Personal FlexLine9


2 year draw period 9.25% - 16.00%10 0.025342%
-
0.043836%
At 9.25% APR
$36.051111
per $2,000 borrowed
At 16.00% APR
$47.141111
per $2,000 borrowed
Bankoh CoverCheck9
N/A 15.25%12 0.041781% At 15.25% APR
$8.3313
per $250 borrowed
  1. For customers who sign up for automatic payments from a Bank of Hawaii personal checking or savings account at the time of application, the Bankoh Home EquityLine introductory Annual Percentage Rate (APR) of 1.00% or 1.75% will be effective for the first 12 or 24 months respectively, from the date your new Bankoh Home EquityLine account is opened (the “Introductory Period”). Introductory Period APRs for customers who do not sign up for automatic payments from a Bank of Hawaii personal checking or savings account will be 1.25% or 1.95%, effective for the first 12 or 24 months, respectively. Offer is valid for qualifying applications received February 1 – March 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 February 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. Payments to third parties of certain fees, which generally total between $0 and $4,400 for Hawaii ($1,100 - $6,100 for Guam) may be required at closing, and are not waived as part of this offer. Any existing junior liens 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. Existing Bank of Hawaii home equity line accounts are not eligible for this introductory rate, unless (1) the account has been paid off and closed at least 6 months prior to submitting a new application, or (2) the 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. The Bankoh Home EquityLine minimum monthly payments during the draw period are interest and fees, if applicable, and do not include principal. At the end of the draw period, remaining principal will be amortized over the 15 year repayment period and monthly payments will be equal to 0.556% of the principal balance, plus accrued interest. The minimum payments calculated above are based on 30 days of accrued interest.
  3. APR is subject to credit qualifications.
  4. Shorter terms available.
  5. Based on a $10,000 fully amortized 36 month loan at 7.00% APR.
  6. Based on a $10,000 fully amortized 36 month loan at 14.50% APR.
  7. Based on a $10,000 fully amortized 60 month loan at 8.00% APR.
  8. Based on a $10,000 fully amortized 60 month loan at 15.50% APR.
  9. There is an annual fee of $25.
  10. The Annual Percentage Rate (APR) as of February 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%.
  11. 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.
  12. The Annual Percentage Rate (APR) as of February 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.
  13. 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 your account agreement and disclosure statement for restrictions that may apply.

†Free Checking accounts do not include free checks. Please see our Fee schedule for Personal Checking and Savings Accounts for information on other fees that may be assessed to your account such as fees for overdrafts, stop payment and other services. Bank of Hawaii reserves the right to amend or terminate the terms of the Free Checking account at any time.

Subject to change without notice.