Rates

Secured & Unsecured Loan Rates

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All rates listed on this page are as of September 23, 2019

10 Year Draw Period

Bankoh Home EquityLine

                    24 Months 36 Months 48 Months              
                  Introductory Period 
With Automatic Payments 1

Introductory APR

2.50% 1 for the first 24 months 2

Estimated Monthly Payment

$20.55 3

per $10,000 borrowed

Introductory APR

2.75% 1 for the first 36 months 2

Estimated Monthly Payment

$22.60 3

per $10,000 borrowed

Introductory APR

1 for the first 48 months 2

Estimated Monthly Payment

$26.71 3

per $10,000 borrowed

 

 

 

 

 

 

 

                  Introductory Period 
Without Automatic Payments

Introductory APR

3.00% for the first 24 months 2

Estimated Monthly Payment

$24.66 3

per $10,000 borrowed

Introductory APR

3.25% for the first 36 months 2

Estimated Monthly Payment

$26.71 3

per $10,000 borrowed

Introductory APR

3.75% for the first 48 months 2

Estimated Monthly Payment

$30.82 3

per $10,000 borrowed

 

 

 

 

 

 

 

                  After Introductory Period 
With or Without Automatic Payments

Current Fully Indexed Variable APR

5.50% 2

Estimated Monthly Payment

$45.21 3

per $10,000 borrowed

Current Fully Indexed Variable APR

5.50% 2

Estimated Monthly Payment

$45.21 3

per $10,000 borrowed

Current Fully Indexed Variable APR

5.50% 2

Estimated Monthly Payment

$45.21 3

per $10,000 borrowed

 

 

 

 

 

 

 

20 Year Repayment1

Bankoh Home EquityLine

Current fully indexed variable

5.50%2

Estimated minimum monthly payment

$86.913

per $10,000 borrowed

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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 10/1/2019 - 10/31/2019. 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 9/23/2019, is 5.50% for lines with a 0.50% margin. Other fully indexed APRs are available for qualifying applications ranging from 5.00% - 6.75% for margins ranging from 0.00% to 1.75%. 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 $4,500 for Hawaii ($1,100 - $6,100 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 $11,000 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.

Applicable Daily Periodic Rates are as follows:

During the Introductory Period
2.50% APR- corresponding Daily Periodic Rate is 0.006849%
2.75% APR- corresponding Daily Periodic Rate is 0.007534%
3.00% APR- corresponding Daily Periodic Rate is 0.008219%
3.25% APR- corresponding Daily Periodic Rate is 0.008904%
3.75% APR- corresponding Daily Periodic Rate is 0.010274%

After the Introductory Period
During Draw Period:
5.50% current fully indexed variable APR- corresponding Daily Periodic Rate is 0.015068%
During Repayment Period:
5.50% current fully indexed variable APR- corresponding Daily Periodic Rate is 0.015068%

2Your 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 20 year repayment period and your monthly payments will be equal to 0.417% 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.

24 or 36 Month Term

Bankoh Personal Loan

Bankoh Personal Loan
Low 1 High 1
Annual Percentage Rate Range 7.00% 14.00%
Estimated Minimum Monthly Payment
per $10,000 borrowed
$447.73 2 $480.133

1 Interest rate is based on individual's credit report. APR range as of 11/18/2019.

2 Based on a $10,000 fully amortized 24 month loan at 7.00% APR. Estimated minimum monthly payment will be lower with a 36 month term. 

3 Based on a $10,000 fully amortized 24 month loan at 14.00% APR. Estimated minimum monthly payment will be lower with a 36 month term. 

Subject to change without notice.

24 or 36 Month Term

Bankoh Personal Loan

Annual Percentage Rate Range
7.00%
Estimated Minimum Monthly Payment
per $10,000 borrowed
$447.73 2
Annual Percentage Rate Range
14.00%
Estimated Minimum Monthly Payment
per $10,000 borrowed
$480.133
Annual Percentage Rate Range
-
Estimated Minimum Monthly Payment
per $10,000 borrowed
-

1 Interest rate is based on individual's credit report. APR range as of 11/18/2019.

2 Based on a $10,000 fully amortized 24 month loan at 7.00% APR. Estimated minimum monthly payment will be lower with a 36 month term. 

3 Based on a $10,000 fully amortized 24 month loan at 14.00% APR. Estimated minimum monthly payment will be lower with a 36 month term. 

Subject to change without notice.

1 Interest rate is based on individual's credit report. APR range as of 11/18/2019.

2 Based on a $10,000 fully amortized 24 month loan at 7.00% APR. Estimated minimum monthly payment will be lower with a 36 month term. 

3 Based on a $10,000 fully amortized 24 month loan at 14.00% APR. Estimated minimum monthly payment will be lower with a 36 month term. 

Subject to change without notice.

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2 Year Draw Period

Bankoh Personal FlexLine1

Bankoh Personal FlexLine1
Low High
Annual Percentage Rate Range 10.75%2 17.50%2
Estimated Minimum Monthly Payment
per $2,000 borrowed
$38.513 $49.613

1 There is an annual fee of $50.

2 The APR as of 11/18/2019 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 ranging from 6.00% - 12.75%.

3 Personal FlexLine minimum monthly payment will be the greater of $25 or 1.042% of the principal balance, plus accrued interest and fees, if applicable. The minimum monthly payments calculated above are based on 30 days of accrued interest.

 

Subject to change without notice.

2 Year Draw Period

Bankoh Personal FlexLine1

Annual Percentage Rate Range
10.75%2
Estimated Minimum Monthly Payment
per $2,000 borrowed
$38.513
Annual Percentage Rate Range
17.50%2
Estimated Minimum Monthly Payment
per $2,000 borrowed
$49.613
Annual Percentage Rate Range
Estimated Minimum Monthly Payment
per $2,000 borrowed

1 There is an annual fee of $50.

2 The APR as of 11/18/2019 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 ranging from 6.00% - 12.75%.

3 Personal FlexLine minimum monthly payment will be the greater of $25 or 1.042% of the principal balance, plus accrued interest and fees, if applicable. The minimum monthly payments calculated above are based on 30 days of accrued interest.

 

Subject to change without notice.

1 There is an annual fee of $50.

2 The APR as of 11/18/2019 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 ranging from 6.00% - 12.75%.

3 Personal FlexLine minimum monthly payment will be the greater of $25 or 1.042% of the principal balance, plus accrued interest and fees, if applicable. The minimum monthly payments calculated above are based on 30 days of accrued interest.

 

Subject to change without notice.

Read more
  24 Months 36 Months 48 Months
Introductory Period 
With Automatic Payments 1

Introductory APR

2.50% 1 for the first 24 months 2

Estimated Monthly Payment

$20.55 3

per $10,000 borrowed

Introductory APR

2.75% 1 for the first 36 months 2

Estimated Monthly Payment

$22.60 3

per $10,000 borrowed

Introductory APR

3.25% 1 for the first 48 months 2

Estimated Monthly Payment

$26.71 3

per $10,000 borrowed

Introductory Period 
Without Automatic Payments

Introductory APR

3.00% for the first 24 months 2

Estimated Monthly Payment

$24.66 3

per $10,000 borrowed

Introductory APR

3.25% for the first 36 months 2

Estimated Monthly Payment

$26.71 3

per $10,000 borrowed

Introductory APR

3.75% for the first 48 months 2

Estimated Monthly Payment

$30.82 3

per $10,000 borrowed

After Introductory Period 
With or Without Automatic Payments

Current Fully Indexed Variable APR

5.50% 2

Estimated Monthly Payment

$45.21 3

per $10,000 borrowed

Current Fully Indexed Variable APR

5.50% 2

Estimated Monthly Payment

$45.21 3

per $10,000 borrowed

Current Fully Indexed Variable APR

5.50% 2

Estimated Monthly Payment

$45.21 3

per $10,000 borrowed

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