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Home Equity Line of Credit

HELOC rates that help you plan ahead.

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There’s a lot that can change in day-to-day life. But at FHB, you can get a fixed introductory HELOC rate for up to 5 years.  

Your home’s equity could be the key to handling expenses. Draw on your line of credit when you need it, and plan for your future with fixed introductory APR options. 

5.55% APY

Intro rate fixed for 2 years with FHB Auto-Pay[[#1]].

9.13% APY

Fully indexed variable rate as of 5/01/25[[#1]].

All promotional introductory rates valid 5/1/2025 - 6/30/2025.

HELOC Promo Image  

Key Benefits

  • Certain closing costs are waived[[#1]]
  • There’s no appraisal needed for most lines up to $400,000 (Hawaii properties only)[[#2]]
  • Get up to $500 in termination credit when you switch banks[[#3]]

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    Disclosures

    1. Promotional introductory rates are subject to credit approval and are available for new, approved Home Equity Line of Credit (HELOC) applications received from 5/1/2025 to 6/30/2025. If you choose to enroll in automatic electronic fund transfer payments from a First Hawaiian Bank personal checking or savings account to make your monthly payments (“Auto-Pay”) before final credit approval, your HELOC will have a promotional fixed Annual Percentage Rate (“APR”) of 5.55%, 5.85%, 5.90%, or 5.95% for 24, 36, 48, or 60 months, respectively, from account opening (the “Auto-Pay Promo”). If you choose not to enroll in Auto-Pay before final credit approval, your promotional fixed APR will be 0.25% higher. You are not required to enroll in Auto-Pay to open or maintain your HELOC. Except for any Auto-Pay Promo, no other discounts, special rates, promotional offers, or promotional programs apply to the promotional fixed rates. From the date we receive your HELOC application, you are eligible to receive the promotional rates valid on that date for up to 90 days or until the date of loan closing, whichever comes first. Promotional rates cannot be changed within this 90-day period. HELOCs used to refinance existing First Hawaiian Bank mortgages do not qualify for promotional rates. Only HELOCs secured by Hawaii and Guam properties are eligible. After the applicable promotional fixed rate period ends, the APR for your HELOC will be determined by adding 1.50% to an index, which is the Wall Street Journal Prime Rate, multiplying that sum by the number of calendar days in the current year, and dividing by 360 days (the “fully indexed variable APR”). (The fully indexed variable APR is rounded to the nearest hundredth of a percentage point in this advertisement.) The fully indexed variable APR will never be lower than 4.50% and will never be higher than 19.00% for Hawaii and 18.00% for Guam. The fully indexed variable APR is 9.13% as of 5/1/2025. Both the promotional fixed APR and the fully indexed variable APR will be 1.00% higher for leasehold (owner-occupant only) properties. The fully indexed variable APR will also be 0.50% higher for investors or for lines secured by a second home. Other adders may apply. There is an annual fee of $100, which is non-refundable and will be charged to your HELOC on each anniversary date of your HELOC account during the 10-year draw period. An annual fee is not assessed during the 20-year repayment period after the draw period. You must carry insurance on the property that secures the HELOC; flood insurance is required if the property is located in a special flood hazard area. For Hawaii, certain closing costs will be waived for owner-occupants, investors, and lines secured by a second home. For Guam, you will receive $100 off closing costs. For more information on estimated closing costs and third party services (such as ALTA policies, appraisal services, trust reviews, or other legal document preparation), which can add up to as much as $9,493 in Hawaii and $15,723 in Guam, please speak to a loan officer at a First Hawaiian Bank branch.
    2. An appraisal may be required for Hawaii properties whose tax-assessed values cannot be verified, leasehold properties, or properties in poor condition. An appraisal is required for home equity lines that are simultaneously opened with a mortgage and secured on the same property if the aggregate value of both loans is $400,000 or more.
    3. Up to $500 Credit: If refinancing a non-First Hawaiian Bank loan or credit line, you may receive a credit at account opening of up to $500 to reimburse you for any early closing or termination fees assessed by your current lender and paid at closing.