Consumer Home Equity Loans[[#1]]

Use the value in your home for things including improvements, investments, or to pay down debt.


  • Choose the available loan term that’s right for you

  • Fixed loan amount, interest rate, and term.

  • See today's rates and loan terms and conditions, including payment examples

Key benefits

No worries, no surprises

Predictable regular monthly payments.

You’re protected

You get a fixed rate for the life of the loan.

Perfect for projects

Borrow a lump-sum amount to pay for a planned expense or an investment.


Ideal for

  • Larger planned expenses

  • A one-time, specific purchase[[#2]]

  • Home improvements, or to refinance other high rate loans or mortgages

What is the impact of making extra payments on my Consumer Home Equity Loan?

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    A line of credit is similar to a credit card in that it is a flexible borrowing solution. You can draw on this revolving loan simply by writing a check, request a withdrawal in person, or use FHB online for payments or transfers to existing FHB accounts. You are also able to borrow any part of your credit line again once you have repaid it. Except for the annual fee, no payments are due until you advance your line of credit. For more information, browse our options on loans and lines of credit.

    With a personal loan, you receive the whole loan when you're approved and you start paying interest immediately on the full amount. You have a fixed schedule of payments that you make until the loan is paid off. For more information, browse our options on loans and lines of credit.

      Use it for home improvements, tuition payments, bill consolidation, buy a new car, or go on vacation. It's easy and convenient to pay for almost anything.

      Consumer Home Equity Loans cannot be used to purchase the subject property.

        While the Consumer Home Equity Loan and Home Equity Line of Credit are both secured on your property, they have some differences. The Consumer Home Equity Loan is a loan with a fixed amount, rate, term, and payments. A Home Equity Line of Credit is a line of credit that can be drawn on at any time during the Draw Period, up to your credit limit. In contrast to the Consumer Home Equity Loan, a Home Equity Line of Credit has a variable rate, meaning that your monthly payments may vary. Under a HELOC you have the option to convert variable-rate balances to fixed-rate balances. 

          You can easily view your loan balance, transfer funds, and make payments through FHB Online & Mobile Banking. If you have not yet enrolled in Online & Mobile Banking, you can enroll here.


          Didn’t find an answer? Still have questions?


            1. Subject to credit approval. Certain other restrictions may apply.
            2. Cannot be used to purchase the subject property.

            Consumer Home Equity Loans[[#1]]

            Consumer Home Equity Loans[[#1]]