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HELOC Rates

Lower rates, bigger dreams

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

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loans & lines

Bankoh Home EquityLine

Bankoh Home EquityLine
24 Months 1 36 Months 1 48 Months 1
Introductory APR 1.49% 2 1.99%2 2.49%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 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.

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 1.99%, 2.49% or 2.99% for the first 24, 36 or 48 months, respectively.

loans & lines

Bankoh Home EquityLine

Introductory APR
1.49% 2
Current Fully Indexed Variable APR
4.50% 1
Introductory APR
1.99%2
Current Fully Indexed Variable APR
4.50%1
Introductory APR
2.49%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 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.

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 1.99%, 2.49% or 2.99% 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 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.

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 1.99%, 2.49% or 2.99% for the first 24, 36 or 48 months, respectively.

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Stop dreaming and start doing.

Fixed Rate Loan Option Special

3.45% APR3 for 30 years

A HELOC Fixed Rate Loan gets you one step closer to what matters most, with flexibility on how you decide to spend it and when. Plus fixed monthly payments so you can plan ahead.

Applicable for applications received 10/1/2020 - 10/31/2020. 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 $44.63 per $10,000 borrowed (360 monthly payments of principal and interest). Other Fixed Rate Loan Options with varying rates and terms are available upon request. 
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Fixed Payments

No confusion. Just a clear monthly payment.

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Hawaii's #1 Lender

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

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No closing costs4

Keep more money in your pocket.

Waived bank closing costs include $125 mortgage documentation fee, $75 trust review fee, and $75 condominium review fee, as applicable. 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 $4,500 for Hawaii ($1,100 - $7,100 for Guam) may be required at closing, and are not waived as part of this offer.

Have questions? Get in touch with our local lending experts.

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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.

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