Loan Rates
Current Loan Rates
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Current Home Equity Line of Credit Rates
Promotional Rate (with FHB Auto-Pay)
Promotional Rate (with FHB Auto-Pay)
Current Adjustable Rate
Current Adjustable Rate
Promotional introductory rates are subject to credit approval and are available for new, approved Home Equity Line of Credit (HELOC) applications received from 12/5/2023 to 12/18/2023. 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 7.75%, 7.99%, 8.05%, or 8.10% 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 10.14% as of 12/5/2023. 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 $6,692 in Hawaii and $7,381 in Guam, please speak to a loan officer at a First Hawaiian Bank branch.
Promotional Rate (with FHB Auto-Pay)
Promotional Rate (with FHB Auto-Pay)
Current Adjustable Rate
Current Adjustable Rate
Promotional introductory rates are subject to credit approval and are available for new, approved Home Equity Line of Credit (HELOC) applications received from 12/5/2023 to 12/18/2023. 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 7.75%, 7.99%, 8.05%, or 8.10% 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 10.14% as of 12/5/2023. 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 $6,692 in Hawaii and $7,381 in Guam, please speak to a loan officer at a First Hawaiian Bank branch.
Current Personal Loan Rates
Promotional Rate (with FHB Auto-Pay)
Promotional Rate (with FHB Auto-Pay)
Current Adjustable Rate
Current Adjustable Rate
Rates range from 9.74% to 16.74% Annual Percentage Rate (APR) based on the specific characteristics of your credit application, including but not limited to evaluation of credit history and income verification for amounts over $5,000, for approved personal loan applications received 12/1/2023 to 12/31/2023. $2,500 minimum loan amount. Income verification is required for loan amounts over $5,000. For Guam residents only, loan terms greater than 36 months require a minimum loan amount of $12,151. You must agree to set-up auto-pay from an FHB deposit account at the time of application, otherwise the interest rate will be 0.25% higher. The APR shown is for a $12,500.00 personal loan of 60 months with a monthly payment of $263.88, and is based on a 9.74% APR. Your actual APR may be higher than the rate shown. This example is solely for illustrative purposes, and is not necessarily the APR or term that a qualified borrower will be offered. The interest rate will be 0.25 percentage points lower if you have a personal Priority Banking Gold or Level 2 (Grandfathered) Checking Account and 0.35 percentage points lower if you have personal Priority Banking Platinum Checking Account. The discounted rate does not apply to loans secured by a First Hawaiian Bank deposit account, loans secured by real property, loans originated at a dealership, or existing loans. For new loans, you must be enrolled as a Priority Banking Checking account customer when you submit your application. The new loan must qualify as an Associated Account. This discount cannot be combined with another promotional offer, program, or discount unless stated otherwise. A one-time document preparation fee of $50 applies to all loans. Offer subject to credit approval. This offer does not apply to business or real estate loans.
Promotional Rate (with FHB Auto-Pay)
Promotional Rate (with FHB Auto-Pay)
Current Adjustable Rate
Current Adjustable Rate
Rates range from 9.74% to 16.74% Annual Percentage Rate (APR) based on the specific characteristics of your credit application, including but not limited to evaluation of credit history and income verification for amounts over $5,000, for approved personal loan applications received 12/1/2023 to 12/31/2023. $2,500 minimum loan amount. Income verification is required for loan amounts over $5,000. For Guam residents only, loan terms greater than 36 months require a minimum loan amount of $12,151. You must agree to set-up auto-pay from an FHB deposit account at the time of application, otherwise the interest rate will be 0.25% higher. The APR shown is for a $12,500.00 personal loan of 60 months with a monthly payment of $263.88, and is based on a 9.74% APR. Your actual APR may be higher than the rate shown. This example is solely for illustrative purposes, and is not necessarily the APR or term that a qualified borrower will be offered. The interest rate will be 0.25 percentage points lower if you have a personal Priority Banking Gold or Level 2 (Grandfathered) Checking Account and 0.35 percentage points lower if you have personal Priority Banking Platinum Checking Account. The discounted rate does not apply to loans secured by a First Hawaiian Bank deposit account, loans secured by real property, loans originated at a dealership, or existing loans. For new loans, you must be enrolled as a Priority Banking Checking account customer when you submit your application. The new loan must qualify as an Associated Account. This discount cannot be combined with another promotional offer, program, or discount unless stated otherwise. A one-time document preparation fee of $50 applies to all loans. Offer subject to credit approval. This offer does not apply to business or real estate loans.
Promotional Rate (with FHB Auto-Pay)
Promotional Rate (with FHB Auto-Pay)
Current Adjustable Rate
Current Adjustable Rate
Rates range from 9.74% to 16.74% Annual Percentage Rate (APR) based on the specific characteristics of your credit application, including but not limited to evaluation of credit history and income verification for amounts over $5,000, for approved personal loan applications received 12/1/2023 to 12/31/2023. $2,500 minimum loan amount. Income verification is required for loan amounts over $5,000. For Guam residents only, loan terms greater than 36 months require a minimum loan amount of $12,151. You must agree to set-up auto-pay from an FHB deposit account at the time of application, otherwise the interest rate will be 0.25% higher. The APR shown is for a $12,500.00 personal loan of 60 months with a monthly payment of $263.88, and is based on a 9.74% APR. Your actual APR may be higher than the rate shown. This example is solely for illustrative purposes, and is not necessarily the APR or term that a qualified borrower will be offered. The interest rate will be 0.25 percentage points lower if you have a personal Priority Banking Gold or Level 2 (Grandfathered) Checking Account and 0.35 percentage points lower if you have personal Priority Banking Platinum Checking Account. The discounted rate does not apply to loans secured by a First Hawaiian Bank deposit account, loans secured by real property, loans originated at a dealership, or existing loans. For new loans, you must be enrolled as a Priority Banking Checking account customer when you submit your application. The new loan must qualify as an Associated Account. This discount cannot be combined with another promotional offer, program, or discount unless stated otherwise. A one-time document preparation fee of $50 applies to all loans. Offer subject to credit approval. This offer does not apply to business or real estate loans.
Current Auto Loan Rates
Promotional Rate (with FHB Auto-Pay)
Promotional Rate (with FHB Auto-Pay)
Current Adjustable Rate
Current Adjustable Rate
Rates range from 8.77% to 9.74% Annual Percentage Rate (APR) based on the specific characteristics of your credit application, including but not limited to age and condition of vehicle for approved direct auto loan applications received 12/1/2023 to 12/31/2023. $2,500 minimum loan amount. Income verification is required for loan amounts over $5,000. You must agree to set-up auto-pay from an FHB deposit account at the time of application, otherwise the interest rate will be 0.25% higher. The APR shown for a new car purchase is for a $12,500 auto loan of 48 months with a monthly payment of $309.53, is being used to finance the purchase of a car manufactured in either the previous or current calendar year, and is based on a 8.77% APR. The APR shown for a used car purchase is for a $12,500 auto loan of 36 months with a monthly payment of $399.25, is being used to finance the purchase of a car manufactured within the last 4 years, and is based on a 9.34% APR. Other rates and terms are available. Your actual APR may be higher than the rate shown. These examples are solely for illustrative purposes, and are not necessarily the APRs or terms that qualified borrowers will be offered. The interest rate will be 0.25 percentage points lower if you have a personal Priority Banking Gold or Level 2 Checking Account (Grandfathered) and 0.35 percentage points lower if you have a personal Priority Banking Platinum Checking Account. The discounted rate does not apply to loans secured by a First Hawaiian Bank deposit account, loans secured by real property, loans originated at a dealership, or existing loans. For new loans, you must be enrolled as a Priority Banking Checking account customer when you submit your application. The new loan must qualify as an Associated Account. This discount cannot be combined with another promotional offer, program, or discount unless stated otherwise. A one-time documentation preparation fee of $50 applies to all loans. The maximum advance for new and used vehicles varies by the condition of the collateral and the term length of the loan. See a branch for details. Offer subject to credit approval. This offer does not apply to business loans, and cannot be used to finance the purchase of salvage, commercial/fleet vehicles, taxis, boats, or motorcycles.
Promotional Rate (with FHB Auto-Pay)
Promotional Rate (with FHB Auto-Pay)
Current Adjustable Rate
Current Adjustable Rate
Rates range from 8.77% to 9.74% Annual Percentage Rate (APR) based on the specific characteristics of your credit application, including but not limited to age and condition of vehicle for approved direct auto loan applications received 12/1/2023 to 12/31/2023. $2,500 minimum loan amount. Income verification is required for loan amounts over $5,000. You must agree to set-up auto-pay from an FHB deposit account at the time of application, otherwise the interest rate will be 0.25% higher. The APR shown for a new car purchase is for a $12,500 auto loan of 48 months with a monthly payment of $309.53, is being used to finance the purchase of a car manufactured in either the previous or current calendar year, and is based on a 8.77% APR. The APR shown for a used car purchase is for a $12,500 auto loan of 36 months with a monthly payment of $399.25, is being used to finance the purchase of a car manufactured within the last 4 years, and is based on a 9.34% APR. Other rates and terms are available. Your actual APR may be higher than the rate shown. These examples are solely for illustrative purposes, and are not necessarily the APRs or terms that qualified borrowers will be offered. The interest rate will be 0.25 percentage points lower if you have a personal Priority Banking Gold or Level 2 Checking Account (Grandfathered) and 0.35 percentage points lower if you have a personal Priority Banking Platinum Checking Account. The discounted rate does not apply to loans secured by a First Hawaiian Bank deposit account, loans secured by real property, loans originated at a dealership, or existing loans. For new loans, you must be enrolled as a Priority Banking Checking account customer when you submit your application. The new loan must qualify as an Associated Account. This discount cannot be combined with another promotional offer, program, or discount unless stated otherwise. A one-time documentation preparation fee of $50 applies to all loans. The maximum advance for new and used vehicles varies by the condition of the collateral and the term length of the loan. See a branch for details. Offer subject to credit approval. This offer does not apply to business loans, and cannot be used to finance the purchase of salvage, commercial/fleet vehicles, taxis, boats, or motorcycles.
Promotional Rate (with FHB Auto-Pay)
Promotional Rate (with FHB Auto-Pay)
Current Adjustable Rate
Current Adjustable Rate
Rates range from 8.77% to 9.74% Annual Percentage Rate (APR) based on the specific characteristics of your credit application, including but not limited to age and condition of vehicle for approved direct auto loan applications received 12/1/2023 to 12/31/2023. $2,500 minimum loan amount. Income verification is required for loan amounts over $5,000. You must agree to set-up auto-pay from an FHB deposit account at the time of application, otherwise the interest rate will be 0.25% higher. The APR shown for a new car purchase is for a $12,500 auto loan of 48 months with a monthly payment of $309.53, is being used to finance the purchase of a car manufactured in either the previous or current calendar year, and is based on a 8.77% APR. The APR shown for a used car purchase is for a $12,500 auto loan of 36 months with a monthly payment of $399.25, is being used to finance the purchase of a car manufactured within the last 4 years, and is based on a 9.34% APR. Other rates and terms are available. Your actual APR may be higher than the rate shown. These examples are solely for illustrative purposes, and are not necessarily the APRs or terms that qualified borrowers will be offered. The interest rate will be 0.25 percentage points lower if you have a personal Priority Banking Gold or Level 2 Checking Account (Grandfathered) and 0.35 percentage points lower if you have a personal Priority Banking Platinum Checking Account. The discounted rate does not apply to loans secured by a First Hawaiian Bank deposit account, loans secured by real property, loans originated at a dealership, or existing loans. For new loans, you must be enrolled as a Priority Banking Checking account customer when you submit your application. The new loan must qualify as an Associated Account. This discount cannot be combined with another promotional offer, program, or discount unless stated otherwise. A one-time documentation preparation fee of $50 applies to all loans. The maximum advance for new and used vehicles varies by the condition of the collateral and the term length of the loan. See a branch for details. Offer subject to credit approval. This offer does not apply to business loans, and cannot be used to finance the purchase of salvage, commercial/fleet vehicles, taxis, boats, or motorcycles.
Current Consumer Equity Loan Rates
Promotional Rate
Promotional Rate
Current Adjustable Rate
Current Adjustable Rate
The 7-year Promotional Rate is based on an owner-occupant, fully-amortized 7-year fixed rate loan of $100,000 at 7.914% interest rate / 8.02% annual percentage rate ("APR") with 84 monthly principal and interest payments of $1,554.34. The 10-year Promotional Rate is based on an owner-occupant, fully-amortized 10-year fixed rate loan of $100,000 at 7.914% interest rate / 7.99% APR with 120 monthly principal and interest payments of $1,208.74. Other payment options are available. Your actual APR may vary depending on the amortization schedule selected, loan funding date, and other factors. Promotional rates shown are available up to $500,000 to qualified owner-occupants only. You must carry insurance on the property that secures the loan. If you are an owner-occupant, you will not have to pay closing costs unless our credit underwriting policies require an ALTA policy, appraisal, trust review, or other legal document preparation, which shall be paid by you. These closing costs are estimated at $750 – $3,557 (ALTA policy), $275 – $2,285 (appraisal services fee), $150-$375 (trust review fee), and $225 – $475 (legal documentation). Your actual costs may be higher. Consumer Equity Loans secured by investment properties or second homes are subject to rate add-ons and payment of all closing costs by you. This offer is available for new approved Consumer Equity Loan applications received from 12/5/2023 to 12/18/2023, subject to credit approval. Offer cannot be combined with other promotions or special rates. Refinancing of existing First Hawaiian Bank mortgages and Home Equity FirstLine lines of credit and locks, and lines to purchase and install a new photovoltaic system, do not qualify for this offer. Only Hawaii properties are eligible. Other restrictions apply.
Promotional Rate
Promotional Rate
Current Adjustable Rate
Current Adjustable Rate
The 7-year Promotional Rate is based on an owner-occupant, fully-amortized 7-year fixed rate loan of $100,000 at 7.914% interest rate / 8.21% annual percentage rate ("APR") with 84 monthly principal and interest payments of $1,554.34. The 10-year Promotional Rate is based on an owner-occupant, fully-amortized 10-year fixed rate loan of $100,000 at 7.914% interest rate / 8.13% APR with 120 monthly principal and interest payments of $1,208.74. Other payment options are available. Your actual APR may vary depending on the amortization schedule selected, loan funding date, and other factors. Promotional rates shown are available up to $500,000 to qualified owner-occupants only. You must carry insurance on the property that secures the loan. If you are an owner-occupant, you will receive $125 off closing costs. These costs, if applicable, are estimated at $665 – $2,871 (appraisal services fee), $12 (flood determination fee), $840-$2,212 (title report), $150-$1,145 (recording fee), $416 (trust review fee), and $400 – $725 (legal documentation). Your actual costs may be higher. Consumer Equity Loans secured by investment properties or second homes are subject to rate add-ons and payment of all closing costs by you. This offer is available for new approved Consumer Equity Loan applications received from 12/5/2023 to 12/18/2023, subject to credit approval. Offer cannot be combined with other promotions or special rates. Refinancing of existing First Hawaiian Bank mortgages and Home Equity FirstLine lines of credit and locks, and lines to purchase and install a new photovoltaic system, do not qualify for this offer. Only Guam properties are eligible. Other restrictions apply.
Current Personal FirstLine[[®]] Lock Rates
Promotional Rate
Promotional Rate
Current Adjustable Rate
Current Adjustable Rate
The Annual Percentage Rate (APR) range from 13.18% to 13.94% as of 12/1/2023 is based on the specific characteristics of your credit application, including but not limited to evaluation of credit history, for approved personal loan applications received from 12/1/2023 to 12/31/2023. $2,500 minimum line amount. Income verification is required for loan amounts over $5,000. The APR may vary and will be adjusted to 4.50 to 5.25 percentage points over an index, which is the Wall Street Journal Prime Rate, except that the APR will never be higher than 24.00%. Your actual APR may be higher than the rate shown. Preferred rate of 0.25% (Gold/Level 2) or 0.35% (Platinum) off the margin of the variable rate line of credit (discount does not apply to fixed introductory rates or fixed rate lock advances). The preferred rate does not apply to existing lines of credit. Subject to credit approval. The line of credit must qualify as an Associated Account. The preferred rate may not be combined with another promotional offer, program, or discount unless stated otherwise. Valid only if you and we agree to these terms in writing as part of your line of credit agreement(s) and will continue as long as you maintain your Priority Banking Gold/Level 2 or Platinum Checking Account and eligible line of credit account in good standing with us. To receive the discounts, you must be enrolled as A Priority Banking Gold/Level 2 or Platinum Checking Account customer when you submit your application. A one-time documentation preparation fee of $50.00 applies to all loans. Offer subject to credit approval. This offer does not apply to business or real estate loans.
Promotional Rate
Promotional Rate
Current Adjustable Rate
Current Adjustable Rate
The Annual Percentage Rate (APR) range from 13.18% to 13.94% as of 12/1/2023 is based on the specific characteristics of your credit application, including but not limited to evaluation of credit history, for approved personal loan applications received from 12/1/2023 to 12/31/2023. $2,500 minimum line amount. Income verification is required for loan amounts over $5,000. The APR may vary and will be adjusted to 4.50 to 5.25 percentage points over an index, which is the Wall Street Journal Prime Rate, except that the APR will never be higher than 24.00%. Your actual APR may be higher than the rate shown. Preferred rate of 0.25% (Gold/Level 2) or 0.35% (Platinum) off the margin of the variable rate line of credit (discount does not apply to fixed introductory rates or fixed rate lock advances). The preferred rate does not apply to existing lines of credit. Subject to credit approval. The line of credit must qualify as an Associated Account. The preferred rate may not be combined with another promotional offer, program, or discount unless stated otherwise. Valid only if you and we agree to these terms in writing as part of your line of credit agreement(s) and will continue as long as you maintain your Priority Banking Gold/Level 2 or Platinum Checking Account and eligible line of credit account in good standing with us. To receive the discounts, you must be enrolled as A Priority Banking Gold/Level 2 or Platinum Checking Account customer when you submit your application. A one-time documentation preparation fee of $50.00 applies to all loans. Offer subject to credit approval. This offer does not apply to business or real estate loans.
Promotional Rate
Promotional Rate
Current Adjustable Rate
Current Adjustable Rate
The Annual Percentage Rate (APR) range from 13.18% to 13.94% as of 12/1/2023 is based on the specific characteristics of your credit application, including but not limited to evaluation of credit history, for approved personal loan applications received from 12/1/2023 to 12/31/2023. $2,500 minimum line amount. Income verification is required for loan amounts over $5,000. The APR may vary and will be adjusted to 4.50 to 5.25 percentage points over an index, which is the Wall Street Journal Prime Rate, except that the APR will never be higher than 24.00%. Your actual APR may be higher than the rate shown. Preferred rate of 0.25% (Gold/Level 2) or 0.35% (Platinum) off the margin of the variable rate line of credit (discount does not apply to fixed introductory rates or fixed rate lock advances). The preferred rate does not apply to existing lines of credit. Subject to credit approval. The line of credit must qualify as an Associated Account. The preferred rate may not be combined with another promotional offer, program, or discount unless stated otherwise. Valid only if you and we agree to these terms in writing as part of your line of credit agreement(s) and will continue as long as you maintain your Priority Banking Gold/Level 2 or Platinum Checking Account and eligible line of credit account in good standing with us. To receive the discounts, you must be enrolled as A Priority Banking Gold/Level 2 or Platinum Checking Account customer when you submit your application. A one-time documentation preparation fee of $50.00 applies to all loans. Offer subject to credit approval. This offer does not apply to business or real estate loans.
