Home Equity Line of Credit[[#1]]

Your home’s equity gives you the flexibility to handle expenses or opportunities along the way.


  • Certain closing costs waived[[#2]]
  • No appraisal required for most lines up to $400,000[[#3]]
  • Up to $500 termination credit when switching banks[[#4]]

Key benefits

Ease and convenience

Draw your line of credit by requesting a withdrawal in person, writing a check, or using FHB Online.

Your choice

Fixed rate lock options for added flexibility.

Peace of mind

Access to funds for emergencies and unplanned expenses.

home equity

Ideal for

  • Flexibility to convert line of credit advances to fixed rate locks
  • Homeowners who may need access to cash in the future

What is the impact of making extra payments on my HELOC?

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    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. 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 $6,692 in Hawaii and $7,381 in Guam, please speak to a loan officer at a First Hawaiian Bank branch. 
        3. An appraisal may be required for 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.
        4. 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

        Home Equity Line of Credit[[#1]]

        Home Equity Line of Credit[[#1]]