Personal Promotions

Take advantage of this limited-time offer today!


Special Home Equity Line of Credit Offer

Introductory APRhome-equity

1.18% APR*
Fixed for 12 Months

Current APR

4.77% APR
Variable rate is based on a current index and a margin as of 8/23/16.

Terms and Conditions

*1.18% introductory Annual Percentage Rate (APR) will be effective for the first 12 months from the date your Hawaii National Bank Home Equity Line is opened; subject to change or discontinuation without notice. After the introductory period, the rates are variable. The rate will be based on an index plus a margin and may vary quarterly. The index rate used is the average 13-week Treasury Bill, rounded to the nearest one-hundredth of a percent. The margin applied is determined by your credit score and repayment terms you select at the time your account is opened. The non-introductory fully indexed variable APR as of 8/23/16 was 4.02% to 4.77%. Upon the expiration of your 12 month introductory rate, the APR will be adjusted on the 1st of every January, April, July, and October, but will not exceed 24.00%. Approval for this home equity line offer requires you to meet our credit criteria, income ratios and loan to value guidelines. Minimum credit line is $10,000. Maximum loan to value is 75%. Property must be 1 – 4 family owner occupied and applicable flood and property insurance is required. A participation fee of $50 will be charged. The participation fee will be reduced by: a) $25 annually if you choose to enroll in Automatic Payments for your credit line account; and/or b) by $25 if you elect to receive electronic statements for your credit line account. The reduced fee will be reversed if you do not remain enrolled in Automatic Payments and/or elect to receive printed statements at any time throughout the entire year. Offer only valid for new lines of credit - no refinances. Additional terms and conditions may apply. $500 early termination fee if HELOC is closed within 2 years of origination.

 

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